Home Insurance in Arrow Point, Missouri
With a median home value of $130,000, Arrow Point is 31% lower than the Barry County median.
The typical home in Arrow Point was built around 1993. About 12% of homes were built before 1960, about 8 points below Barry County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arrow Point is 55% single-family homes and 45% mobile or manufactured homes.
In Arrow Point, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arrow Point has an owner-occupancy rate of 79% and a vacancy rate of 45%; unoccupied homes typically need a different coverage form.
Most homes in Arrow Point - 53% - are primarily heated with electricity. 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 Arrow Point? FEMA's National Risk Index points to strong wind (Relatively High) in Barry County and Barry County had 14 active NFIP flood policies as of September 2026. See the full Barry 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 | $130,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Barry County | 14 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
- Emerald Beach
- Chain-O-Lakes
- Coney Island
- Kimberling City
- Blue Eye
- Branson West
- Cassville
- Indian Point
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)