Home Insurance in Delta, Missouri
With a median home value of $119,400, Delta is 46% lower than the Cape Girardeau County median.
The typical home in Delta was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 2 points above Cape Girardeau County's 21%.
The housing stock in Delta is 77% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Delta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Delta are owner-occupied.
57% of homes in Delta are primarily heated with natural gas.
Cape Girardeau County had 101 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Cape Girardeau 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 | $119,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Cape Girardeau County | 101 |
| 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)