Home Insurance in Bucklin, Missouri
Homes in Bucklin carry a median value of $73,400 - 40% lower than the Linn County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bucklin was built around 1957. About 53% of homes were built before 1960, about 10 points above Linn County's 43%.
The housing stock in Bucklin is 81% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
19% of owner-occupied homes in Bucklin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Bucklin are owner-occupied. The vacancy rate is 28%; 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. 54% of homes in Bucklin are primarily heated with natural gas.
FEMA rates Linn County's overall risk as Very Low, led by tornado (Relatively Moderate). Linn County had 4 active NFIP flood policies as of September 2026. See the full Linn 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 | $73,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Linn County | 4 |
| 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)