Home Insurance in Blythedale, Missouri
With a median home value of $24,600, Blythedale is 78% lower than the Harrison County median.
The typical home in Blythedale was built around 1958. About 51% of homes were built before 1960, about 8 points above Harrison County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blythedale is 76% single-family homes and 16% mobile or manufactured homes.
In Blythedale, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Blythedale are owner-occupied. The vacancy rate is 13%; 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 Blythedale, 50% of homes are primarily heated with propane.
What's the biggest home insurance risk near Blythedale? FEMA's National Risk Index points to wildfire (Very Low) in Harrison County and Harrison County had 2 active NFIP flood policies as of September 2026. See the full Harrison 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 | $24,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Harrison County | 2 |
| 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)