Home Insurance in Mount Leonard, Missouri
The median home value in Mount Leonard is $37,500, 75% lower than the Saline County median.
The typical home in Mount Leonard was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 21 points above Saline County's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mount Leonard is 54% single-family homes and 46% mobile or manufactured homes.
In Mount Leonard, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Mount Leonard are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Mount Leonard are primarily heated with natural gas.
Saline County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Saline 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 | $37,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Saline County | 11 |
| 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)