Home Insurance in Barnard, Missouri
With a median home value of $69,400, Barnard is 61% lower than the Nodaway County median.
The typical home in Barnard was built around 1950. About 67% of homes were built before 1960, about 37 points above Nodaway County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Barnard, the housing stock is 65% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 29% of owner-occupied homes in Barnard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Barnard are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Barnard, 73% of homes are primarily heated with electricity.
Nodaway County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Nodaway County had 7 active NFIP flood policies as of September 2026. See the full Nodaway 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 | $69,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Nodaway County | 7 |
| 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)