Home Insurance in Triplett, Missouri
The typical home in Triplett was built around 1953. About 77% of homes were built before 1960, about 37 points above Chariton County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Triplett, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Triplett, about 8% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Triplett has an owner-occupancy rate of 86% and a vacancy rate of 53%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Triplett - 86% - are primarily heated with propane.
Chariton County had 21 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Chariton 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 year built | 1953 |
|---|---|
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)