Home Insurance in Lincoln County, Missouri
With a median home value of $244,300, Lincoln County is 6% higher than the Missouri median.
The typical home in Lincoln County was built around 1997. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 17 points below Missouri's 27%.
The housing stock in Lincoln County is 78% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lincoln County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Lincoln County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Lincoln County are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively Moderate), earthquake (Relatively Low) and hail (Relatively Moderate) as the leading hazards for Lincoln County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lincoln County had 195 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $244,300 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Earthquake (Relatively Low), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 195 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Elsberry
- Median home value: $139,000
- Median year built: 1965
- Owner-occupied share: 53%
-
Fountain N' Lakes
- Median home value: $83,300
- Median year built: 1997
- Owner-occupied share: 29%
-
Winfield
- Median home value: $208,100
- Median year built: 2000
- Owner-occupied share: 65%
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)