Home Insurance in Noel, Missouri
With a median home value of $122,400, Noel is 21% lower than the McDonald County median.
The typical home in Noel was built around 1977. About 26% of homes were built before 1960, about 8 points above McDonald County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Noel is 51% single-family homes, 22% apartments in buildings with 5+ units and 3% 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 Noel, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 31% of occupied homes in Noel are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Noel, 62% of homes are primarily heated with electricity.
FEMA rates McDonald County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). McDonald County had 78 active NFIP flood policies as of September 2026. See the full McDonald 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 | $122,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in McDonald County | 78 |
| 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)