Home Insurance in Hopkins, Missouri
With a median home value of $56,500, Hopkins is 68% lower than the Nodaway County median.
The median home in Hopkins was built in 1939 or earlier. About 72% of homes were built before 1960, about 42 points above Nodaway County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hopkins, the housing stock is 94% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Hopkins have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Hopkins are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hopkins, 34% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Nodaway County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Nodaway County had 7 active NFIP flood policies as of September 2026. See the full Nodaway 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 | $56,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Nodaway County | 7 |
| 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)