Home Insurance in Bowling Green, Missouri
The median home value in Bowling Green is $128,800, 12% lower than the Pike County median.
The typical home in Bowling Green was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 3 points below Pike County's 35%.
In Bowling Green, the housing stock is 68% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bowling Green, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bowling Green has an owner-occupancy rate of 52% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
59% of homes in Bowling Green are primarily heated with natural gas.
Pike County had 78 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Pike County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $128,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Pike County | 78 |
| 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)