Home Insurance in Stark City, Missouri
The median home value in Stark City is $102,100, 46% lower than the Newton County median.
The typical home in Stark City was built around 1963. About 48% of homes were built before 1960, about 26 points above Newton County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Stark City, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 11% of owner-occupied homes in Stark City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Stark City are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Stark City are primarily heated with electricity.
What's the biggest home insurance risk near Stark City? 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 | $102,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)