Home Insurance in Malden, Missouri
With a median home value of $101,300, Malden is close to the Dunklin County median.
The typical home in Malden was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 4 points below Dunklin County's 30%.
In Malden, the housing stock is 83% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 39% of owner-occupied homes in Malden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Malden has an owner-occupancy rate of 51% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
74% of homes in Malden are primarily heated with natural gas.
Dunklin County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $101,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)