Home Insurance in Hurley, Missouri
The median home value in Hurley is $92,500, 63% lower than the Stone County median.
The median home in Hurley was built in 1939 or earlier. About 60% of homes were built before 1960, about 53 points above Stone County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Hurley breaks down to 75% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Hurley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 46% of occupied homes in Hurley are owner-occupied.
52% of homes in Hurley are primarily heated with propane. 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 Hurley? FEMA's National Risk Index points to strong wind (Very High) in Stone County and Stone County had 54 active NFIP flood policies as of September 2026. See the full Stone 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 | $92,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Stone County | 54 |
| 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)