Home Insurance in Smithville, Missouri
The median home value in Smithville is $290,600, 5% higher than the Clay County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Smithville was built around 1996. About 12% of homes were built before 1960, about 6 points below Clay County's 18%.
Housing in Smithville breaks down to 86% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
73% of owner-occupied homes in Smithville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Smithville has an owner-occupancy rate of 84% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
55% of homes in Smithville are primarily heated with electricity.
FEMA rates Clay County's overall risk as Relatively Moderate, led by hail (Relatively High). Clay County had 328 active NFIP flood policies as of September 2026. See the full Clay 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 | $290,600 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)