Home Insurance in Milford, Missouri
With a median home value of $329,200, Milford is 141% higher than the Barton County median.
The typical home in Milford was built around 1975. About 47% of homes were built before 1960, about 12 points above Barton County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Milford breaks down to 100% single-family homes.
In Milford, about 94% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Milford are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Milford, 47% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Milford? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Barton County and 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 | $329,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 94% |
| 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)