Home Insurance in Clever, Missouri
The median home value in Clever is $200,000, 27% lower than the Christian County median.
The typical home in Clever was built around 2005. About 5% of homes were built before 1960, about 2 points below Christian County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Clever is 90% single-family homes and 4% apartments in buildings with 5+ units.
About 83% of owner-occupied homes in Clever have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clever has an owner-occupancy rate of 68% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
76% of homes in Clever are primarily heated with natural gas.
What's the biggest home insurance risk near Clever? FEMA's National Risk Index points to tornado (Relatively Moderate) in Christian County and Christian County had 85 active NFIP flood policies as of September 2026. See the full Christian 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 | $200,000 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Christian County | 85 |
| 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)