Home Insurance in Oaks, Missouri
The median home value in Oaks is $338,900, 23% higher than the Clay County median.
The typical home in Oaks was built around 1947. About 75% of homes were built before 1960, about 57 points above Clay County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Oaks breaks down to 100% single-family homes.
About 50% of owner-occupied homes in Oaks have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Oaks are owner-occupied.
Most homes in Oaks - 84% - 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.
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 | $338,900 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)