Home Insurance in Blue Eye, Missouri
With a median home value of $147,900, Blue Eye is 41% lower than the Stone County median.
The typical home in Blue Eye was built around 2006. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 4 points below Stone County's 8%.
The housing stock in Blue Eye is 37% single-family homes, 56% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Blue Eye, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Blue Eye are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Blue Eye - 90% - are primarily heated with electricity.
FEMA rates Stone County's overall risk as Relatively Low, led by strong wind (Very High). Stone County had 54 active NFIP flood policies as of September 2026. See the full Stone 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 | $147,900 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Stone County | 54 |
| 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)