Home Insurance in Lock Springs, Missouri
The median home value in Lock Springs is $121,900, 25% lower than the Daviess County median.
The typical home in Lock Springs was built around 1951. About 69% of homes were built before 1960, about 38 points above Daviess County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lock Springs is 93% 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.
In Lock Springs, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Lock Springs are owner-occupied.
Most homes in Lock Springs - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Daviess County's overall risk as Very Low, led by hail (Relatively Low). Daviess County has no active NFIP flood policies on file. See the full Daviess County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $121,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Low) |
| 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)