Home Insurance in Truxton, Missouri
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Truxton was built around 1989. About 26% of homes were built before 1960, about 16 points above Lincoln County's 10%.
The housing stock in Truxton is 26% single-family homes and 74% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
11% of owner-occupied homes in Truxton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Truxton are owner-occupied. The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
89% of homes in Truxton are primarily heated with electricity.
What's the biggest home insurance risk near Truxton? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Lincoln County and 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 year built | 1989 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)