Home Insurance in Clay County, Missouri
The median home value in Clay County is $275,600, 20% higher than the Missouri median.
The typical home in Clay County was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 9 points below Missouri's 27%.
The housing stock in Clay County is 76% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Clay County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Clay County are owner-occupied.
Most homes in Clay County - 67% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Clay County's top hazards are hail (Relatively High), tornado (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Clay County has 328 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 | $275,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 328 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Avondale
- Birmingham
- Claycomo
- Excelsior Springs
- Gladstone
- Glenaire
- Holt
- Kearney
- Lawson
- Liberty
- Mosby
- North Kansas City
- Oaks
- Oakview
- Oakwood
- Oakwood Park
- Pleasant Valley
- Randolph
- Smithville
Smaller communities
-
Missouri City
- Median home value: $92,900
- Median year built: 1957
- Owner-occupied share: 82%
-
Prathersville
- Median home value: $240,000
- Median year built: 1949
- Owner-occupied share: 82%
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)