Home Insurance in Gideon, Missouri
Homes in Gideon carry a median value of $55,500 - 50% lower than the New Madrid County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gideon was built around 1960. About 49% of homes were built before 1960, about 25 points above New Madrid County's 24%.
The housing stock in Gideon is 78% single-family homes, 1% apartments in buildings with 5+ units and 7% 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 Gideon, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Gideon are owner-occupied.
Most homes in Gideon - 80% - are primarily heated with natural gas.
FEMA rates New Madrid County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). New Madrid County had 342 active NFIP flood policies as of September 2026. See the full New Madrid 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 | $55,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in New Madrid County | 342 |
| 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)