Home Insurance in Iberia, Missouri
Homes in Iberia carry a median value of $122,900 - 36% lower than the Miller County median.
The typical home in Iberia was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 28 points above Miller County's 14%.
In Iberia, the housing stock is 87% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Iberia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Iberia are owner-occupied. The vacancy rate is 17%; 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. Most homes in Iberia - 64% - are primarily heated with electricity.
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 home value | $122,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Miller County | 18 |
| 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)