Home Insurance in Miner, Missouri
Homes in Miner carry a median value of $131,600 - 15% lower than the Scott County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Miner was built around 1975. About 23% of homes were built before 1960, about 2 points below Scott County's 25%.
The housing stock in Miner is 82% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Miner have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Miner are owner-occupied.
Most homes in Miner - 59% - are primarily heated with electricity.
What's the biggest home insurance risk near Miner? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Scott County and Scott County had 788 active NFIP flood policies as of September 2026. See the full Scott County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $131,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Scott County | 788 |
| 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)