Home Insurance in St. Joseph, Missouri
With a median home value of $154,200, St. Joseph is 7% lower than the Buchanan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in St. Joseph was built around 1962. About 48% of homes were built before 1960, about 3 points above Buchanan County's 45%.
Housing in St. Joseph breaks down to 75% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 57% of owner-occupied homes in St. Joseph have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Joseph has an owner-occupancy rate of 63% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in St. Joseph - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near St. Joseph? FEMA's National Risk Index points to hail (Relatively Moderate) in Buchanan County and Buchanan County had 281 active NFIP flood policies as of September 2026. See the full Buchanan 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 | $154,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buchanan County | 281 |
| 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)