Home Insurance in Bunker, Missouri
The median home value in Bunker is $48,100, 71% lower than the Dent County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bunker was built around 1975. About 18% of homes were built before 1960, about 4 points below Dent County's 22%.
In Bunker, the housing stock is 44% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bunker, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bunker has an owner-occupancy rate of 64% and a vacancy rate of 52%; unoccupied homes typically need a different coverage form.
In Bunker, 45% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dent County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Dent County had 11 active NFIP flood policies as of September 2026. See the full Dent County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 home value | $48,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Dent County | 11 |
| 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)