Home Insurance in Stotts City, Missouri
The median home value in Stotts City is $70,500, 60% lower than the Lawrence 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 Stotts City was built around 1974. About 47% of homes were built before 1960, about 20 points above Lawrence County's 27%.
In Stotts City, the housing stock is 64% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
22% of owner-occupied homes in Stotts City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Stotts City are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stotts City, 51% of homes are primarily heated with propane.
Lawrence County had 56 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Lawrence 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 | $70,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lawrence County | 56 |
| 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)