Home Insurance in Tina, Missouri
The median home value in Tina is $92,100, 22% lower than the Carroll County median.
The typical home in Tina was built around 1952. About 63% of homes were built before 1960, about 15 points above Carroll County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tina is 81% single-family homes and 17% mobile or manufactured homes.
27% of owner-occupied homes in Tina carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Tina are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
44% of homes in Tina are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Carroll County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. 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.
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 | $92,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)