Home Insurance in Puxico, Missouri
The median home value in Puxico is $89,500, 38% lower than the Stoddard County median.
The typical home in Puxico was built around 1972. About 38% of homes were built before 1960, about 12 points above Stoddard County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Puxico, the housing stock is 79% single-family homes, 4% apartments in buildings with 5+ units 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.
About 49% of owner-occupied homes in Puxico have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Puxico has an owner-occupancy rate of 54% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Puxico, 47% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Puxico? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Stoddard County and 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.
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 | $89,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)