Home Insurance in Pineville, Missouri
Homes in Pineville carry a median value of $213,100 - 38% higher than the McDonald County median.
The typical home in Pineville was built around 1978. About 18% of homes were built before 1960, in line with McDonald County (18%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pineville is 68% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
43% of owner-occupied homes in Pineville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 38% of occupied homes in Pineville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Pineville are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
McDonald County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $213,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)