Home Insurance in Newtonia, Missouri
Homes in Newtonia carry a median value of $88,200 - 54% lower than the Newton County median.
The typical home in Newtonia was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 22 points above Newton County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Newtonia is 87% single-family homes and 13% mobile or manufactured homes.
In Newtonia, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Newtonia are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Newtonia, 50% of homes are primarily heated with electricity.
Newton County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
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
| Median home value | $88,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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
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)