Home Insurance in Bevier, Missouri
The median home value in Bevier is $94,200, 37% lower than the Macon County median.
The typical home in Bevier was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 6 points above Macon County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bevier is 76% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Bevier have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Bevier are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bevier - 51% - 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.
What's the biggest home insurance risk near Bevier? FEMA's National Risk Index points to tornado (Relatively Moderate) in Macon County and Macon County had 4 active NFIP flood policies as of September 2026. See the full Macon County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $94,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Macon 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)