Home Insurance in Big Lake, Missouri
The median home value in Big Lake is $217,500, 57% higher than the Holt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Big Lake was built around 2004. About 7% of homes were built before 1960, about 36 points below Holt County's 43%.
In Big Lake, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Big Lake, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 98% of occupied homes in Big Lake are owner-occupied. The vacancy rate is 79%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Big Lake, 42% of homes are primarily heated with propane.
FEMA rates Holt County's overall risk as Very Low, led by hail (Relatively Low). Holt County had 222 active NFIP flood policies as of September 2026. See the full Holt 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 | $217,500 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Holt County | 222 |
| 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)