Home Insurance in Hurdland, Missouri
Homes in Hurdland carry a median value of $48,800 - 52% lower than the Knox County median.
The typical home in Hurdland was built around 1948. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 28 points above Knox County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hurdland is 94% single-family homes and 6% mobile or manufactured homes.
19% of owner-occupied homes in Hurdland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Hurdland are owner-occupied.
69% of homes in Hurdland are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hurdland? FEMA's National Risk Index points to hail (Relatively Low) in Knox County and Knox County had 1 active NFIP flood policy as of September 2026. See the full Knox 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 | $48,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Knox County | 1 |
| 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)