Home Insurance in Baring, Missouri
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Baring was built around 1947. About 69% of homes were built before 1960, about 27 points above Knox County's 43%.
The housing stock in Baring is 71% single-family homes and 17% 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 Baring, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Baring are owner-occupied. The vacancy rate is 68%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Baring - 79% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Knox County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Knox 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 | 1947 |
|---|---|
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Knox County | 1 |
| 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)