Home Insurance in Lewis and Clark Village, Missouri
The median home value in Lewis and Clark Village is $160,700, close to the Buchanan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lewis and Clark Village was built around 1969. About 10% of homes were built before 1960, about 35 points below Buchanan County's 45%.
The housing stock in Lewis and Clark Village is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Lewis and Clark Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lewis and Clark Village has an owner-occupancy rate of 87% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Lewis and Clark Village - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Buchanan County had 281 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Buchanan 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 | $160,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buchanan County | 281 |
| 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)