Home Insurance in Silex, Missouri
With a median home value of $112,500, Silex is 54% lower than the Lincoln County median.
The typical home in Silex was built around 2011. About 0% of homes were built before 1960, about 10 points below Lincoln County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Silex is 69% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Silex have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Silex are owner-occupied.
97% of homes in Silex are primarily heated with electricity.
Lincoln County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $112,500 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)