Home Insurance in Hawk Point, Missouri
With a median home value of $145,500, Hawk Point is 40% lower than the Lincoln County median.
The typical home in Hawk Point was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 12 points above Lincoln County's 10%.
The housing stock in Hawk Point is 48% single-family homes and 42% 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 47% of owner-occupied homes in Hawk Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hawk Point has an owner-occupancy rate of 47% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
81% of homes in Hawk Point are primarily heated with electricity.
FEMA rates Lincoln County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Lincoln County had 195 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $145,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 195 |
| 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)