Home Insurance in Bollinger County, Missouri
With a median home value of $179,800, Bollinger County is 22% lower than the Missouri median.
The typical home in Bollinger County was built around 1982. About 23% of homes were built before 1960, about 5 points below Missouri's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Bollinger County, the housing stock is 82% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bollinger County, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Bollinger County are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bollinger County, 41% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Low) and strong wind (Relatively Low) as the leading hazards for Bollinger County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Bollinger County had 17 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $179,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)