Home Insurance in Mindenmines, Missouri
The median home value in Mindenmines is $46,900, 66% lower than the Barton County median.
The typical home in Mindenmines was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 23 points above Barton County's 35%.
In Mindenmines, the housing stock is 75% single-family homes and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mindenmines, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mindenmines has an owner-occupancy rate of 84% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Mindenmines - 71% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $46,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)