Home Insurance in Houstonia, Missouri
The typical home in Houstonia was built around 1954. About 74% of homes were built before 1960, about 40 points above Pettis County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Houstonia is 91% single-family homes and 9% mobile or manufactured homes.
52% of owner-occupied homes in Houstonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Houstonia has an owner-occupancy rate of 99% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Houstonia - 64% - are primarily heated with natural gas.
FEMA rates Pettis County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Pettis County had 41 active NFIP flood policies as of September 2026. See the full Pettis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1954 |
|---|---|
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Pettis County | 41 |
| 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)