Home Insurance in Clark County, Missouri
The median home value in Clark County is $130,700, 43% lower than the Missouri median.
The typical home in Clark County was built around 1970. About 36% of homes were built before 1960, about 8 points above Missouri's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Clark County, the housing stock is 78% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Clark County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Clark County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Clark County, 35% of homes are primarily heated with propane.
FEMA's National Risk Index lists strong wind (Relatively Moderate), hail (Relatively Low) and wildfire (Very Low) as the leading hazards for Clark County.
As of September 2026, Clark County has 41 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $130,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 41 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)