Home Insurance in Lilbourn, Missouri
Homes in Lilbourn carry a median value of $57,300 - 49% lower than the New Madrid County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lilbourn was built around 1975. About 19% of homes were built before 1960, about 5 points below New Madrid County's 24%.
The housing stock in Lilbourn is 78% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Lilbourn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Lilbourn are owner-occupied.
Most homes in Lilbourn - 53% - are primarily heated with electricity.
New Madrid County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $57,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)