Home Insurance in Holland, Missouri
With a median home value of $59,300, Holland is 39% lower than the Pemiscot County median.
The typical home in Holland was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 3 points above Pemiscot County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holland is 61% single-family homes and 39% mobile or manufactured homes.
About 14% of owner-occupied homes in Holland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Holland has an owner-occupancy rate of 92% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
56% of homes in Holland 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.
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 | $59,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)