Home Insurance in Lamar, Missouri
The median home value in Lamar is $117,200, 14% lower than the Barton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lamar was built around 1973. About 35% of homes were built before 1960, in line with Barton County (35%).
In Lamar, the housing stock is 81% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Lamar, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lamar has an owner-occupancy rate of 52% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
77% of homes in Lamar are primarily heated with natural gas.
FEMA rates Barton County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). 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.
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 | $117,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)