Home Insurance in Clinton, Missouri
The median home value in Clinton is $155,400, close to the Henry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clinton was built around 1976. About 28% of homes were built before 1960, in line with Henry County (28%).
The housing stock in Clinton is 80% single-family homes, 6% apartments in buildings with 5+ units and 4% 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.
About 59% of owner-occupied homes in Clinton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Clinton are owner-occupied.
48% of homes in Clinton are primarily heated with electricity.
FEMA rates Henry County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Henry County had 25 active NFIP flood policies as of September 2026. See the full Henry 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 | $155,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Henry County | 25 |
| 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)