Home Insurance in Stockton, Missouri
With a median home value of $140,100, Stockton is 17% lower than the Cedar County median.
The typical home in Stockton was built around 1978. About 25% of homes were built before 1960, about 5 points above Cedar County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Stockton is 69% single-family homes, 12% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Stockton, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Stockton are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Stockton - 64% - are primarily heated with electricity.
Cedar County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Cedar County had 2 active NFIP flood policies as of September 2026. See the full Cedar County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $140,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Cedar County | 2 |
| 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)