HomeInsuranceQts

Home Insurance in Blackburn, Missouri

The median home value in Blackburn is $117,600, 22% lower than the Saline County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Blackburn was built around 1963. About 47% of homes were built before 1960, about 10 points above Saline County's 36%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blackburn is 79% single-family homes and 13% mobile or manufactured homes.

51% of owner-occupied homes in Blackburn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Blackburn has an owner-occupancy rate of 74% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.

In Blackburn, 67% of homes are primarily heated with natural gas.

FEMA rates Saline County's overall risk as Relatively Low, led by tornado (Relatively Low). Saline County had 11 active NFIP flood policies as of September 2026. See the full Saline County home insurance overview for all FEMA hazard ratings and flood coverage details.

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$117,600
Median year built1963
Owner-occupied share74%
Share of owner-occupied homes with a mortgage51%
Top county hazardTornado (Relatively Low)
Active NFIP policies in Saline County11
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)
Key home insurance figures for Blackburn, MO

Nearby towns

Sources

Data last updated: 2026-09-29