Home Insurance in Seligman, Missouri
With a median home value of $93,800, Seligman is 50% lower than the Barry County median.
The typical home in Seligman was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 4 points below 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 Seligman is 62% single-family homes and 35% mobile or manufactured homes.
In Seligman, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Seligman are owner-occupied.
Most homes in Seligman - 77% - 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.
Barry County had 14 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $93,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 48% |
| 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
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)