Home Insurance in Holt County, Missouri
The median home value in Holt County is $138,200, 40% lower than the Missouri median.
The typical home in Holt County was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 43% of homes were built before 1960, about 16 points above Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holt County is 83% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
39% of owner-occupied homes in Holt County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Holt County has an owner-occupancy rate of 77% and a vacancy rate of 27%; 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. In Holt County, 37% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Holt County's top hazards are hail (Relatively Low), tornado (Relatively Low) and wildfire (Very Low).
As of September 2026, Holt County has 222 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $138,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 222 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
- Bigelow
- Corning
Sources
- 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)