Home Insurance in Stoutsville, Missouri
The median home value in Stoutsville is $131,300, 12% lower than the Monroe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Stoutsville was built around 2005. About 0% of homes were built before 1960, about 33 points below Monroe County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stoutsville is 38% single-family homes and 62% mobile or manufactured homes.
About 8% of owner-occupied homes in Stoutsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stoutsville has an owner-occupancy rate of 100% and a vacancy rate of 54%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stoutsville, 50% of homes are primarily heated with electricity.
Monroe County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Monroe County had 4 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $131,300 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Monroe 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)