Home Insurance in Bertrand, Missouri
With a median home value of $86,300, Bertrand is 21% lower than the Mississippi County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bertrand was built around 1977. About 15% of homes were built before 1960, about 12 points below Mississippi County's 28%.
The housing stock in Bertrand is 68% single-family homes, 3% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Bertrand carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bertrand has an owner-occupancy rate of 79% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
55% of homes in Bertrand are primarily heated with natural gas.
FEMA rates Mississippi County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Mississippi County had 275 active NFIP flood policies as of September 2026. See the full Mississippi County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 home value | $86,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Mississippi County | 275 |
| 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)