Home Insurance in Collins, Missouri
With a median home value of $56,700, Collins is 64% lower than the St. Clair County median.
The typical home in Collins was built around 1978. About 34% of homes were built before 1960, about 11 points above St. Clair County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Collins is 64% single-family homes and 36% mobile or manufactured homes.
24% of owner-occupied homes in Collins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Collins has an owner-occupancy rate of 95% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Collins, 60% of homes are primarily heated with electricity.
St. Clair County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. St. Clair County has no active NFIP flood policies on file. See the full St. Clair 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 | $56,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)