Home Insurance in Doolittle, Missouri
Homes in Doolittle carry a median value of $119,200 - 42% lower than the Phelps County median.
The typical home in Doolittle was built around 1972. About 21% of homes were built before 1960, about 4 points above Phelps County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Doolittle is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Doolittle have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Doolittle are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Doolittle are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Doolittle? FEMA's National Risk Index points to earthquake (Relatively Low) in Phelps County and Phelps County had 89 active NFIP flood policies as of September 2026. See the full Phelps 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 | $119,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Phelps County | 89 |
| 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)