Home Insurance in Alexandria, Missouri
The median home value in Alexandria is $43,500, 67% lower than the Clark County median.
The typical home in Alexandria was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 6 points above Clark County's 36%.
In Alexandria, the housing stock is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
5% of owner-occupied homes in Alexandria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alexandria has an owner-occupancy rate of 89% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Most homes in Alexandria - 64% - are primarily heated with natural gas.
Clark County had 41 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Clark 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 | $43,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 5% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Clark County | 41 |
| 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)