Home Insurance in Clark, Missouri
The median home value in Clark is $131,300, 18% lower than the Randolph County median.
The typical home in Clark was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 5 points above Randolph County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clark is 76% single-family homes, 13% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
67% of owner-occupied homes in Clark carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Clark are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clark - 53% - are primarily heated with natural gas.
What's the biggest home insurance risk near Clark? FEMA's National Risk Index points to tornado (Relatively Moderate) in Randolph County and Randolph County had 7 active NFIP flood policies as of September 2026. See the full Randolph 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 | $131,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Randolph 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)