Home Insurance in New Cambria, Missouri
With a median home value of $91,700, New Cambria is 38% lower than the Macon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in New Cambria was built around 1959. About 51% of homes were built before 1960, about 18 points above Macon County's 33%.
In New Cambria, the housing stock is 68% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 35% of owner-occupied homes in New Cambria have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in New Cambria are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in New Cambria - 55% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Macon County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Macon County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $91,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)