Home Insurance in Merwin, Missouri
The median home value in Merwin is $189,600, 11% higher than the Bates County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Merwin was built around 1961. About 48% of homes were built before 1960, about 18 points above Bates County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Merwin is 65% single-family homes and 35% mobile or manufactured homes.
About 89% of owner-occupied homes in Merwin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Merwin has an owner-occupancy rate of 90% and a vacancy rate of 57%; 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. Most homes in Merwin - 80% - are primarily heated with electricity.
Bates County had 10 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Bates 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 | $189,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 89% |
| 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)