Home Insurance in Hermitage, Missouri
Homes in Hermitage carry a median value of $126,300 - 28% lower than the Hickory County median.
The typical home in Hermitage was built around 1985. About 15% of homes were built before 1960, about 1 point above Hickory County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Hermitage is 77% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Hermitage have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hermitage has an owner-occupancy rate of 66% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Hermitage - 81% - are primarily heated with electricity.
Hickory County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Hickory County has no active NFIP flood policies on file. See the full Hickory County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $126,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)