Home Insurance in Sikeston, Missouri
With a median home value of $168,800, Sikeston is 9% higher than the Scott County median.
The typical home in Sikeston was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 2 points below Scott County's 25%.
In Sikeston, the housing stock is 80% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Sikeston, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sikeston has an owner-occupancy rate of 60% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
64% of homes in Sikeston are primarily heated with electricity.
What's the biggest home insurance risk near Sikeston? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Scott County and Scott County had 788 active NFIP flood policies as of September 2026. See the full Scott 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 | $168,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Scott County | 788 |
| 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)