Home Insurance in Clarksdale, Missouri
With a median home value of $115,900, Clarksdale is 32% lower than the DeKalb County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clarksdale was built around 1965. About 48% of homes were built before 1960, about 23 points above DeKalb County's 25%.
The housing stock in Clarksdale is 73% single-family homes, 2% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Clarksdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clarksdale has an owner-occupancy rate of 80% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Clarksdale are primarily heated with propane.
DeKalb County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. DeKalb County had 1 active NFIP flood policy as of September 2026. See the full DeKalb 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 | $115,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in DeKalb County | 1 |
| 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)