Home Insurance in Hayti, Missouri
With a median home value of $70,400, Hayti is 27% lower than the Pemiscot County median.
The typical home in Hayti was built around 1972. About 37% of homes were built before 1960, about 5 points above Pemiscot County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hayti is 70% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hayti, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hayti has an owner-occupancy rate of 48% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
62% of homes in Hayti are primarily heated with natural gas.
FEMA rates Pemiscot County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Pemiscot County had 397 active NFIP flood policies as of September 2026. See the full Pemiscot County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $70,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Pemiscot County | 397 |
| 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)