Home Insurance in Sumner, Missouri
The typical home in Sumner was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 10 points above Chariton County's 40%.
The housing stock in Sumner is 60% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 6% of owner-occupied homes in Sumner have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Sumner are owner-occupied. The vacancy rate is 54%; 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 Sumner, 53% of homes are primarily heated with propane.
Chariton County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Chariton County had 21 active NFIP flood policies as of September 2026. See the full Chariton 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 built | 1960 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Chariton County | 21 |
| 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)