Home Insurance in Wardell, Missouri
With a median home value of $54,300, Wardell is 44% lower than the Pemiscot County median.
The typical home in Wardell was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 24 points above Pemiscot County's 32%.
In Wardell, the housing stock is 78% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Wardell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Wardell are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Wardell are primarily heated with natural gas.
Pemiscot County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $54,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)