Home Insurance in Barnett, Missouri
Homes in Barnett carry a median value of $67,500 - 65% lower than the Morgan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Barnett was built around 1955. About 55% of homes were built before 1960, about 37 points above Morgan County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Barnett is 87% single-family homes and 13% mobile or manufactured homes.
In Barnett, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Barnett has an owner-occupancy rate of 93% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Barnett, 44% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Barnett? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Morgan County and Morgan County had 77 active NFIP flood policies as of September 2026. See the full Morgan County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $67,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Morgan County | 77 |
| 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)