Home Insurance in Gower, Missouri
With a median home value of $213,200, Gower is 6% lower than the Clinton County median.
The typical home in Gower was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 12 points below Clinton County's 27%.
The housing stock in Gower is 86% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 77% of owner-occupied homes in Gower have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gower has an owner-occupancy rate of 85% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Gower, 73% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Gower? FEMA's National Risk Index points to hail (Relatively Moderate) in Clinton County and Clinton County had 14 active NFIP flood policies as of September 2026. See the full Clinton 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 | $213,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clinton County | 14 |
| 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)