Home Insurance in Bogard, Missouri
The median home value in Bogard is $72,100, 39% lower than the Carroll County median.
The typical home in Bogard was built around 1949. About 72% of homes were built before 1960, about 24 points above Carroll County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Bogard, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Bogard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Bogard are owner-occupied. The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 52% of homes in Bogard are primarily heated with propane.
FEMA rates Carroll County's overall risk as Very Low, led by tornado (Relatively Low). Carroll County had 45 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $72,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Carroll County | 45 |
| 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)