Home Insurance in East Lynne, Missouri
With a median home value of $176,000, East Lynne is 40% lower than the Cass County median.
The typical home in East Lynne was built around 1995. About 22% of homes were built before 1960, about 11 points above Cass County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in East Lynne is 81% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In East Lynne, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
East Lynne has an owner-occupancy rate of 82% and a vacancy rate of 17%; 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. Most homes in East Lynne - 56% - are primarily heated with electricity.
Cass County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Cass County had 116 active NFIP flood policies as of September 2026. See the full Cass County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $176,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cass County | 116 |
| 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)