Home Insurance in Humansville, Missouri
With a median home value of $63,700, Humansville is 69% lower than the Polk County median.
The typical home in Humansville was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 27 points above Polk County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Humansville is 77% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 52% of owner-occupied homes in Humansville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Humansville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Humansville - 61% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Humansville? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Polk County and Polk County had 7 active NFIP flood policies as of September 2026. See the full Polk 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 | $63,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Polk 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)