Home Insurance in Butler, Missouri
Homes in Butler carry a median value of $145,400 - 15% lower than the Bates County median.
The typical home in Butler was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 13 points above Bates County's 30%.
The housing stock in Butler is 82% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Butler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Butler are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Butler, 54% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Butler? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Bates County and Bates County had 10 active NFIP flood policies as of September 2026. See the full Bates 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 | $145,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Bates County | 10 |
| 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)