Home Insurance in Caruthersville, Missouri
With a median home value of $107,700, Caruthersville is 11% higher than the Pemiscot County median.
The typical home in Caruthersville was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, in line with Pemiscot County (32%).
In Caruthersville, the housing stock is 73% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Caruthersville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Caruthersville are owner-occupied.
In Caruthersville, 60% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Caruthersville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Pemiscot County and Pemiscot County had 397 active NFIP flood policies as of September 2026. See the full Pemiscot County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $107,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Pemiscot County | 397 |
| 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)