Home Insurance in Indian Point, Missouri
The median home value in Indian Point is $317,400, 27% higher than the Stone County median.
The typical home in Indian Point was built around 1996. About 0% of homes were built before 1960, about 7 points below Stone County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Indian Point, the housing stock is 28% single-family homes, 66% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Indian Point, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 76%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Indian Point are owner-occupied.
In Indian Point, 80% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Stone County had 54 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $317,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)