Home Insurance in Essex, Missouri
Homes in Essex carry a median value of $108,700 - 24% lower than the Stoddard County median.
The typical home in Essex was built around 1976. About 30% of homes were built before 1960, about 4 points above Stoddard County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Essex is 67% single-family homes and 6% 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.
70% of owner-occupied homes in Essex carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Essex has an owner-occupancy rate of 69% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
65% of homes in Essex are primarily heated with natural gas.
Stoddard County had 181 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $108,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)