Home Insurance in Redings Mill, Missouri
The median home value in Redings Mill is $165,600, 13% lower than the Newton County median.
The typical home in Redings Mill was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 33 points above Newton County's 22%.
The housing stock in Redings Mill is 100% single-family homes.
59% of owner-occupied homes in Redings Mill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Redings Mill are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in Redings Mill are primarily heated with natural gas.
What's the biggest home insurance risk near Redings Mill? 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.
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 | $165,600 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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
- Cliff Village
- Leawood
- Shoal Creek Drive
- Shoal Creek Estates
- Grand Falls Plaza
- Dennis Acres
- Saginaw
- Joplin
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)