HomeInsuranceQts

Home Insurance in Brumley, Missouri

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brumley was built around 1975. About 11% of homes were built before 1960, about 3 points below Miller County's 14%.

In Brumley, the housing stock is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

24% of owner-occupied homes in Brumley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 63% of occupied homes in Brumley are owner-occupied.

Most homes in Brumley - 52% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Miller County's overall risk as Relatively Low, led by wildfire (Relatively Low). Miller County had 18 active NFIP flood policies as of September 2026. See the full Miller 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 year built1975
Owner-occupied share63%
Share of owner-occupied homes with a mortgage24%
Top county hazardWildfire (Relatively Low)
Active NFIP policies in Miller County18
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)
Key home insurance figures for Brumley, MO

Nearby towns

Sources

Data last updated: 2026-09-29