Home Insurance in Clyde, Missouri
With a median home value of $107,500, Clyde is 39% lower than the Nodaway County median.
The typical home in Clyde was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 17 points above Nodaway County's 30%.
Housing in Clyde breaks down to 100% single-family homes.
About 43% of owner-occupied homes in Clyde have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Clyde are owner-occupied.
40% of homes in Clyde are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Nodaway County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Nodaway County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $107,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Nodaway County | 7 |
| 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)