HomeInsuranceQts

Home Insurance in Trimble, Missouri

With a median home value of $197,600, Trimble is 13% lower than the Clinton County median.

The typical home in Trimble was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 7 points below Clinton County's 27%.

The housing stock in Trimble is 82% single-family homes. The rest are 2-4 unit or other housing types.

60% of owner-occupied homes in Trimble carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Trimble are owner-occupied.

Most homes in Trimble - 61% - are primarily heated with natural gas.

FEMA rates Clinton County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.

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$197,600
Median year built1982
Owner-occupied share71%
Share of owner-occupied homes with a mortgage60%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Clinton County14
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)
Key home insurance figures for Trimble, MO

Nearby towns

Sources

Data last updated: 2026-09-29