Home Insurance in Ethel, Missouri
The typical home in Ethel was built around 1960. About 49% of homes were built before 1960, about 16 points above Macon County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ethel, the housing stock is 100% single-family homes.
About 11% of owner-occupied homes in Ethel have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ethel has an owner-occupancy rate of 100% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Ethel - 80% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Macon County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Macon County had 4 active NFIP flood policies as of September 2026. See the full Macon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1960 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Macon County | 4 |
| 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)