HomeInsuranceQts

Home Insurance in McBaine, Missouri

The typical home in McBaine was built around 1980. About 0% of homes were built before 1960, about 11 points below Boone County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In McBaine, the housing stock is 29% single-family homes and 71% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

Almost no owner-occupied homes in McBaine carry a mortgage.

The vacancy rate is 71%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in McBaine are owner-occupied.

Most homes in McBaine - 100% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

Boone County had 150 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Boone 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 year built1980
Owner-occupied share100%
Share of owner-occupied homes with a mortgage0%
Top county hazardTornado (Relatively High)
Active NFIP policies in Boone County150
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)
Key home insurance figures for McBaine, MO

Nearby towns

Sources

Data last updated: 2026-09-29