Home Insurance in Newtown, Missouri
Homes in Newtown carry a median value of $27,500 - 76% lower than the Sullivan County median.
The typical home in Newtown was built around 1953. About 63% of homes were built before 1960, about 19 points above Sullivan County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Newtown is 76% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Newtown, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Newtown has an owner-occupancy rate of 80% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Newtown, 43% of homes are primarily heated with electricity.
Sullivan County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Sullivan County has no active NFIP flood policies on file. See the full Sullivan County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $27,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Tornado (Relatively Low) |
| 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)