Home Insurance in Leadington, Missouri
With a median home value of $169,600, Leadington is close to the St. Francois County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Leadington was built around 2002. About 13% of homes were built before 1960, about 13 points below St. Francois County's 26%.
In Leadington, the housing stock is 34% single-family homes, 22% apartments in buildings with 5+ units and 12% 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.
About 63% of owner-occupied homes in Leadington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Leadington has an owner-occupancy rate of 30% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Leadington, 85% of homes are primarily heated with electricity.
St. Francois County had 52 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full St. Francois 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 | $169,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 30% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in St. Francois County | 52 |
| 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)