Home Insurance in Tarkio, Missouri
With a median home value of $87,800, Tarkio is 18% lower than the Atchison County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tarkio was built around 1958. About 52% of homes were built before 1960, about 2 points below Atchison County's 54%.
The housing stock in Tarkio is 79% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tarkio, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tarkio has an owner-occupancy rate of 73% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
55% of homes in Tarkio are primarily heated with natural gas.
What's the biggest home insurance risk near Tarkio? FEMA's National Risk Index points to hail (Relatively Low) in Atchison County and Atchison County had 17 active NFIP flood policies as of September 2026. See the full Atchison County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $87,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Atchison County | 17 |
| 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)