Home Insurance in Leadwood, Missouri
The median home value in Leadwood is $63,200, 63% lower than the St. Francois County median.
The median home in Leadwood was built in 1939 or earlier. About 78% of homes were built before 1960, about 52 points above St. Francois County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Leadwood, the housing stock is 93% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 44% of owner-occupied homes in Leadwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Leadwood are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
51% of homes in Leadwood are primarily heated with electricity.
What's the biggest home insurance risk near Leadwood? FEMA's National Risk Index points to strong wind (Relatively High) in St. Francois County and St. Francois County had 52 active NFIP flood policies as of September 2026. See the full St. Francois County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $63,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)