Home Insurance in North Lilbourn, Missouri
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in North Lilbourn was built around 1954. About 100% of homes were built before 1960, about 76 points above New Madrid County's 24%.
The housing stock in North Lilbourn is 100% single-family homes.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 0% of occupied homes in North Lilbourn are owner-occupied.
In North Lilbourn, 82% of homes are primarily heated with natural gas.
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.
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 year built | 1954 |
|---|---|
| Owner-occupied share | 0% |
| 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)