Home Insurance in Bernie, Missouri
With a median home value of $98,100, Bernie is 32% lower than the Stoddard County median.
The typical home in Bernie was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 9 points above Stoddard County's 25%.
The housing stock in Bernie is 91% single-family homes and 2% apartments in buildings with 5+ units.
In Bernie, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bernie has an owner-occupancy rate of 73% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Bernie - 57% - are primarily heated with natural gas.
Stoddard County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Stoddard County had 181 active NFIP flood policies as of September 2026. See the full Stoddard County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $98,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Stoddard County | 181 |
| 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)