Home Insurance in Brownington, Missouri
The median home value in Brownington is $76,100, 53% lower than the Henry County median.
The typical home in Brownington was built around 1992. About 32% of homes were built before 1960, about 4 points above Henry County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Brownington is 45% single-family homes and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Brownington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brownington has an owner-occupancy rate of 93% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
74% of homes in Brownington are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Henry County had 25 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Henry County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $76,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Henry County | 25 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)