Home Insurance in South Lineville, Missouri
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in South Lineville was built in 1939 or earlier. About 100% of homes were built before 1960, about 65 points above Mercer County's 35%.
The housing stock in South Lineville is 100% single-family homes.
Almost no owner-occupied homes in South Lineville carry a mortgage.
About 45% of occupied homes in South Lineville are owner-occupied.
45% of homes in South Lineville are primarily heated with natural gas.
FEMA rates Mercer County's overall risk as Very Low, led by wildfire (Very Low). Mercer County had 1 active NFIP flood policy as of September 2026. See the full Mercer 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 | 1939 or earlier |
|---|---|
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Mercer 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)