Home Insurance in Lockwood, Missouri
The median home value in Lockwood is $117,700, 31% lower than the Dade County median.
The typical home in Lockwood was built around 1965. About 42% of homes were built before 1960, about 6 points above Dade County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Lockwood breaks down to 92% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Lockwood, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Lockwood are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lockwood, 76% of homes are primarily heated with natural gas.
Dade County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Dade County has no active NFIP flood policies on file. See the full Dade 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 | $117,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| 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)