Home Insurance in Conway, Missouri
The median home value in Conway is $94,000, 44% lower than the Laclede County median.
The typical home in Conway was built around 1975. About 29% of homes were built before 1960, about 6 points above Laclede County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Conway is 77% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 33% of owner-occupied homes in Conway have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Conway are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Conway are primarily heated with electricity.
What's the biggest home insurance risk near Conway? FEMA's National Risk Index points to earthquake (Relatively Low) in Laclede County and Laclede County had 32 active NFIP flood policies as of September 2026. See the full Laclede County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $94,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Laclede County | 32 |
| 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)