Home Insurance in Leasburg, Missouri
The median home value in Leasburg is $101,500, 41% lower than the Crawford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Leasburg was built around 1967. About 37% of homes were built before 1960, about 19 points above Crawford County's 18%.
In Leasburg, the housing stock is 66% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Leasburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Leasburg has an owner-occupancy rate of 48% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Leasburg - 70% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crawford County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Crawford County had 42 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $101,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Crawford County | 42 |
| 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)