Home Insurance in Claycomo, Missouri
The median home value in Claycomo is $169,600, 38% lower than the Clay County median.
The typical home in Claycomo was built around 1964. About 40% of homes were built before 1960, about 21 points above Clay County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Claycomo is 58% single-family homes, 24% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Claycomo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Claycomo has an owner-occupancy rate of 56% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Claycomo, 71% of homes are primarily heated with natural gas.
Clay County had 328 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Clay 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 | $169,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Clay County | 328 |
| 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)