Home Insurance in Newton County, Missouri

The median home value in Newton County is $190,700, 17% lower than the Missouri median.

The typical home in Newton County was built around 1984. About 22% of homes were built before 1960, about 5 points below Missouri's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Newton County is 77% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

56% of owner-occupied homes in Newton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Newton County has an owner-occupancy rate of 77% and a vacancy rate of 11%; 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. 50% of homes in Newton County are primarily heated with electricity.

FEMA's National Risk Index lists tornado (Relatively Moderate), strong wind (Relatively High) and hail (Relatively Moderate) as the leading hazards for Newton County.

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Newton County has 175 active NFIP flood policies on file.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.

Key figures

Towns and cities

• Diamond
• Granby
• Leawood
• Loma Linda
• Neosho
• Seneca

Smaller communities

• Cliff Village
  • Median home value: $200,000
  • Median year built: 1945
  • Owner-occupied share: 86%
• Dennis Acres
  • Median home value: under $10,000
  • Median year built: 1990
  • Owner-occupied share: 69%
• Fairview
  • Median home value: $105,000
  • Median year built: 1971
  • Owner-occupied share: 63%
• Grand Falls Plaza
  • Median home value: $250,000
  • Median year built: 1980
  • Owner-occupied share: 86%
• Newtonia
  • Median home value: $88,200
  • Median year built: 1962
  • Owner-occupied share: 92%
• Redings Mill
  • Median home value: $165,600
  • Median year built: 1954
  • Owner-occupied share: 91%
• Ritchey
  • Median home value: $56,300
  • Median year built: 1959
  • Owner-occupied share: 76%
• Saginaw
  • Median home value: $173,100
  • Median year built: 1984
  • Owner-occupied share: 85%
• Shoal Creek Drive
  • Median home value: $136,300
  • Median year built: 1967
  • Owner-occupied share: 91%
• Shoal Creek Estates
  • Median home value: $445,500
  • Median year built: 1976
  • Owner-occupied share: 95%
• Stark City
  • Median home value: $102,100
  • Median year built: 1963
  • Owner-occupied share: 60%
• Stella
  • Median year built: 1939 or earlier
  • Owner-occupied share: 81%
  • Share of owner-occupied homes with a mortgage: 16%
• Wentworth
  • Median home value: $111,100
  • Median year built: 1955
  • Owner-occupied share: 79%

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)