Home Insurance in Lamar Heights, Missouri
With a median home value of $260,700, Lamar Heights is 91% higher than the Barton County median.
The typical home in Lamar Heights was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 22 points below Barton County's 35%.
In Lamar Heights, the housing stock is 73% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Lamar Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lamar Heights has an owner-occupancy rate of 58% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 40% of homes in Lamar Heights are primarily heated with natural gas.
Barton County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Barton County had 21 active NFIP flood policies as of September 2026. See the full Barton 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 | $260,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Barton County | 21 |
| 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)