Home Insurance in Hartville, Missouri
Homes in Hartville carry a median value of $110,600 - 31% lower than the Wright County median.
The typical home in Hartville was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 14 points above Wright County's 29%.
The housing stock in Hartville is 63% single-family homes, 1% apartments in buildings with 5+ units and 4% 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.
35% of owner-occupied homes in Hartville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 44% of occupied homes in Hartville are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hartville, 46% of homes are primarily heated with propane.
FEMA rates Wright County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Wright County had 3 active NFIP flood policies as of September 2026. See the full Wright 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 | $110,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Wright County | 3 |
| 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)