Home Insurance in Leslie, Missouri
Homes in Leslie carry a median value of $107,500 - 53% lower than the Franklin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Leslie was built in 1939 or earlier. About 61% of homes were built before 1960, about 40 points above Franklin County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leslie is 78% single-family homes, 4% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
In Leslie, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leslie has an owner-occupancy rate of 94% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Leslie, 76% of homes 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.
Franklin County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Franklin County had 218 active NFIP flood policies as of September 2026. See the full Franklin 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 | $107,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Franklin County | 218 |
| 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)