Home Insurance in Loma Linda, Missouri
The median home value in Loma Linda is $275,700, 45% higher than the Newton County median.
The typical home in Loma Linda was built around 1991. About 2% of homes were built before 1960, about 21 points below Newton County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Loma Linda, the housing stock is 75% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Loma Linda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Loma Linda are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Loma Linda - 90% - are primarily heated with electricity.
What's the biggest home insurance risk near Loma Linda? FEMA's National Risk Index points to tornado (Relatively Moderate) in Newton County and Newton County had 175 active NFIP flood policies as of September 2026. See the full Newton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $275,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Newton County | 175 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
- Grand Falls Plaza
- Redings Mill
- Cliff Village
- Shoal Creek Drive
- Leawood
- Shoal Creek Estates
- Dennis Acres
- Saginaw
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)