Home Insurance in Gordonville, Missouri
The median home value in Gordonville is $241,500, 9% higher than the Cape Girardeau County median.
The typical home in Gordonville was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 10 points above Cape Girardeau County's 21%.
The housing stock in Gordonville is 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Gordonville, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gordonville has an owner-occupancy rate of 84% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Gordonville - 58% - are primarily heated with natural gas.
FEMA rates Cape Girardeau County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Cape Girardeau County had 101 active NFIP flood policies as of September 2026. 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.
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 | $241,500 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)