Home Insurance in Lowry City, Missouri
With a median home value of $82,200, Lowry City is 48% lower than the St. Clair County median.
The typical home in Lowry City was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 13 points above St. Clair County's 24%.
In Lowry City, the housing stock is 71% single-family homes and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lowry City, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lowry City has an owner-occupancy rate of 51% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Lowry City, 60% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Lowry City? FEMA's National Risk Index points to winter weather (Relatively Moderate) in St. Clair County and 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 | $82,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)