Home Insurance in St. Martins, Missouri
Homes in St. Martins carry a median value of $242,400 - 6% higher than the Cole County median.
The typical home in St. Martins was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 11 points below Cole County's 20%.
Housing in St. Martins breaks down to 83% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in St. Martins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Martins has an owner-occupancy rate of 82% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
49% of homes in St. Martins are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cole County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Cole County had 114 active NFIP flood policies as of September 2026. See the full Cole 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 | $242,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cole County | 114 |
| 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)