Home Insurance in Stewartsville, Missouri
Homes in Stewartsville carry a median value of $133,000 - 21% lower than the DeKalb County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stewartsville was built around 1970. About 35% of homes were built before 1960, about 10 points above DeKalb County's 25%.
In Stewartsville, the housing stock is 80% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Stewartsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stewartsville has an owner-occupancy rate of 87% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Stewartsville are primarily heated with natural gas.
What's the biggest home insurance risk near Stewartsville? FEMA's National Risk Index points to tornado (Relatively Low) in DeKalb County and DeKalb County had 1 active NFIP flood policy as of September 2026. See the full DeKalb County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $133,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in DeKalb County | 1 |
| 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)