Home Insurance in Poplar Bluff, Missouri
The median home value in Poplar Bluff is $119,800, 17% lower than the Butler County median.
The typical home in Poplar Bluff was built around 1972. About 29% of homes were built before 1960, about 11 points above Butler County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Poplar Bluff, the housing stock is 77% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Poplar Bluff, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in Poplar Bluff are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Poplar Bluff, 64% of homes are primarily heated with electricity.
Butler County had 315 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $119,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)