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Home insurance & natural hazards in Henry County, MO

Calm, plain facts for homeowners in Henry County: what neighbors have paid for coverage, what flood insurance costs, and which weather hazards matter most here.

  • Typical premiums from U.S. Treasury insurance data
  • Flood insurance costs from 12 FEMA NFIP policies
  • 14 natural hazards rated by the FEMA National Risk Index
See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Henry at a glance

Four numbers most homeowners ask about first.

$2,073
Typical home premium

Per policy per year in 2022, median of 6 ZIP codes (inflation-adjusted).

$1,226
Avg. flood policy

Average full cost of a single-family NFIP policy that took effect in 2025.

2.25%
Nonrenewal rate

Share of policies insurers chose not to renew in 2022, median ZIP. Typical U.S. ZIP: 0.81%.

Rel. low
FEMA risk rating

Overall National Risk Index rating, higher than 52.8% of U.S. counties.

Henry County in numbers
21,887
residents (2020 Census)
3.5%
of policies had a paid claim (2022, median ZIP)
$10,196
average paid claim (2022, median ZIP)
12
single-family NFIP flood policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Typical premiums in Henry County were $2,073 per policy in 2022, 4% above the typical Missouri ZIP code ($1,989) and 34% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, local premiums rose 20% between 2018 and 2022.

Premiums by ZIP

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
HenryMissouriU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. The average single-family NFIP policy that took effect here in 2025 cost $1,226, compared with $1,072 in 2022. About 67% of local policies are for homes in high-risk A or V zones and 33% in moderate- to lower-risk zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

12 policies
A zones 67%X/B/C zones 33%V zones 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars show how Henry compares with every U.S. county for each hazard (100 = highest). Ice storm, drought and strong wind rank highest here. A high rank doesn't mean an event is likely in any given year. It shows where preparation and the right coverage matter most.

How the ratings work

Hazard risk, national percentile

Higher than X% of U.S. counties

Compare nearby

Neighboring counties

Typical premium 2022 (Treasury FIO), nonrenewal 2022, avg. flood policy 2025 (NFIP)
CountyPremiumNonrenewalFlood
Cass County$2,2321.42%$1,426
Bates County$2,1711.44%—
Henry County$2,0732.25%$1,226
Johnson County$2,0661.58%$1,116
Pettis County$1,9741.55%$1,159
Benton County$1,8611.28%$1,862
St. Clair County$1,8302.16%—

Flood insurance by ZIP, 2025

FEMA NFIP, single-family homes, ZIPs with the most policies

No ZIP code in this county has at least 10 single-family NFIP policies, so we don't show ZIP-level flood averages.

ZIP code pages in Henry County

Practical next steps

Simple things Henry homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.