Home Insurance in Clinton County, Missouri
Homes in Clinton County carry a median value of $226,800 - close to the Missouri median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clinton County was built around 1978. About 27% of homes were built before 1960, in line with Missouri (27%).
The housing stock in Clinton County is 85% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clinton County, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clinton County has an owner-occupancy rate of 76% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Clinton County, 43% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Clinton County.
As of September 2026, Clinton County has 14 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 | $226,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 14 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
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)