Home Insurance in Tuscumbia, Missouri
The median home value in Tuscumbia is $134,400, 30% lower than the Miller County median.
The typical home in Tuscumbia was built around 1970. About 40% of homes were built before 1960, about 26 points above Miller County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Tuscumbia, the housing stock is 80% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
79% of owner-occupied homes in Tuscumbia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tuscumbia has an owner-occupancy rate of 84% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tuscumbia, 49% of homes are primarily heated with electricity.
Miller County had 18 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Miller 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 | $134,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Miller County | 18 |
| 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)