Home Insurance in Fortescue, Missouri
The typical home in Fortescue was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 18 points below Holt County's 43%.
In Fortescue, the housing stock is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Fortescue have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Fortescue are owner-occupied. The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fortescue, 50% of homes 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.
Holt County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Holt County had 222 active NFIP flood policies as of September 2026. See the full Holt 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 year built | 1965 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Holt County | 222 |
| 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)