Home Insurance in Dudley, Missouri
The median home value in Dudley is $190,000, 33% higher than the Stoddard County median.
The typical home in Dudley was built around 1990. About 22% of homes were built before 1960, about 4 points below Stoddard County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Dudley is 69% single-family homes and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Dudley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dudley has an owner-occupancy rate of 40% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Dudley are primarily heated with propane.
FEMA rates Stoddard County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Stoddard County had 181 active NFIP flood policies as of September 2026. See the full Stoddard 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 | $190,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Stoddard County | 181 |
| 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)