Home Insurance in Neelyville, Missouri
With a median home value of $35,000, Neelyville is 76% lower than the Butler County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Neelyville was built around 1985. About 19% of homes were built before 1960, about 1 point above Butler County's 18%.
The housing stock in Neelyville is 60% single-family homes, 2% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Neelyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Neelyville 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 Neelyville - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Neelyville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Butler County and Butler County had 315 active NFIP flood policies as of September 2026. See the full Butler County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $35,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Butler County | 315 |
| 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)