Home Insurance in Chain-O-Lakes, Missouri
With a median home value of $184,700, Chain-O-Lakes is close to the Barry County median.
The typical home in Chain-O-Lakes was built around 1976. About 14% of homes were built before 1960, about 5 points below Barry County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chain-O-Lakes is 93% single-family homes and 5% mobile or manufactured homes.
About 28% of owner-occupied homes in Chain-O-Lakes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chain-O-Lakes has an owner-occupancy rate of 93% and a vacancy rate of 56%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Chain-O-Lakes, 43% of homes are primarily heated with electricity.
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.
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 | $184,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)