Home Insurance in Harris, Missouri
The typical home in Harris was built around 1947. About 56% of homes were built before 1960, about 12 points above Sullivan County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Harris, the housing stock is 58% single-family homes and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Harris carry a mortgage.
The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Harris are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 68% of homes in Harris are primarily heated with electricity.
Sullivan County has no active NFIP flood policies on file. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Sullivan 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 year built | 1947 |
|---|---|
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Tornado (Relatively Low) |
| 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)