Home Insurance in Longtown, Missouri
The median home value in Longtown is $139,800, 26% lower than the Perry County median.
The typical home in Longtown was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 69% of homes were built before 1960, about 44 points above Perry County's 25%.
Housing in Longtown breaks down to 98% single-family homes and 2% mobile or manufactured homes.
48% of owner-occupied homes in Longtown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Longtown has an owner-occupancy rate of 89% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 89% of homes in Longtown are primarily heated with natural gas.
FEMA rates Perry County's overall risk as Relatively Low, led by strong wind (Relatively High). Perry County had 67 active NFIP flood policies as of September 2026. See the full Perry 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 | $139,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Perry County | 67 |
| 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)