Home Insurance in Cardwell, Missouri
The median home value in Cardwell is $38,800, 60% lower than the Dunklin County median.
The typical home in Cardwell was built around 1972. About 26% of homes were built before 1960, about 4 points below Dunklin County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cardwell, the housing stock is 71% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cardwell, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 37% of occupied homes in Cardwell are owner-occupied.
70% of homes in Cardwell are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Dunklin County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Dunklin County had 274 active NFIP flood policies as of September 2026. See the full Dunklin 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 | $38,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Dunklin County | 274 |
| 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)