Home Insurance in Huntsville, Missouri
Homes in Huntsville carry a median value of $111,400 - 30% lower than the Randolph County median.
The typical home in Huntsville was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 7 points above Randolph County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Huntsville is 60% single-family homes, 6% apartments in buildings with 5+ units and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 44% of owner-occupied homes in Huntsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Huntsville has an owner-occupancy rate of 67% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Huntsville, 67% of homes are primarily heated with electricity.
FEMA rates Randolph County's overall risk as Very Low, led by tornado (Relatively Moderate). Randolph County had 7 active NFIP flood policies as of September 2026. See the full Randolph 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 home value | $111,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Randolph 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)