Home Insurance in Butterfield, Missouri
The median home value in Butterfield is $98,200, 48% lower than the Barry County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Butterfield was built around 1980. About 26% of homes were built before 1960, about 7 points above Barry County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Butterfield is 57% single-family homes and 34% mobile or manufactured homes.
In Butterfield, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Butterfield has an owner-occupancy rate of 79% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Butterfield - 59% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Barry County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $98,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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
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)