Home Insurance in Humphreys, Missouri
With a median home value of $19,700, Humphreys is 83% lower than the Sullivan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Humphreys was built around 1959. About 52% of homes were built before 1960, about 8 points above Sullivan County's 44%.
The housing stock in Humphreys is 71% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 41% of owner-occupied homes in Humphreys have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Humphreys has an owner-occupancy rate of 42% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
Most homes in Humphreys - 55% - 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 Humphreys? FEMA's National Risk Index points to tornado (Relatively Low) in Sullivan County and Sullivan County has no active NFIP flood policies on file. 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 home value | $19,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)