Home Insurance in Stotesbury, Missouri
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stotesbury is 100% mobile or manufactured homes.
What's the biggest home insurance risk near Stotesbury? FEMA's National Risk Index points to hail (Relatively Low) in Vernon County and Vernon County had 9 active NFIP flood policies as of September 2026. See the full Vernon 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
| Top county hazard | Hail (Relatively Low) |
|---|---|
| Active NFIP policies in Vernon County | 9 |
| 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)