Home Insurance in Steele, Missouri
With a median home value of $119,200, Steele is 23% higher than the Pemiscot County median.
The typical home in Steele was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 5 points below Pemiscot County's 32%.
In Steele, the housing stock is 90% single-family homes and 1% mobile or manufactured homes.
In Steele, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Steele has an owner-occupancy rate of 49% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
67% of homes in Steele are primarily heated with natural gas.
FEMA rates Pemiscot County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.
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 | $119,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)