Home Insurance in Wyaconda, Missouri
The median home value in Wyaconda is $65,400, 50% lower than the Clark County median.
The typical home in Wyaconda was built around 1958. About 53% of homes were built before 1960, about 17 points above Clark County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wyaconda is 73% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
23% of owner-occupied homes in Wyaconda carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Wyaconda are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wyaconda, 49% of homes are primarily heated with electricity.
Clark County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Clark County had 41 active NFIP flood policies as of September 2026. See the full Clark County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $65,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)