Home Insurance in Portageville, Missouri
Homes in Portageville carry a median value of $152,400 - 36% higher than the New Madrid County median.
The typical home in Portageville was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 7 points above New Madrid County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Portageville is 82% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 56% of owner-occupied homes in Portageville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Portageville has an owner-occupancy rate of 60% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
53% of homes in Portageville 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 | $152,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)