Home Insurance in St. Cloud, Missouri
Homes in St. Cloud carry a median value of $190,600 - 10% higher than the Crawford County median.
The typical home in St. Cloud was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 4 points below Crawford County's 18%.
The housing stock in St. Cloud is 100% single-family homes.
Almost no owner-occupied homes in St. Cloud carry a mortgage.
About 64% of occupied homes in St. Cloud are owner-occupied.
Most homes in St. Cloud - 64% - 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 St. Cloud? FEMA's National Risk Index points to earthquake (Relatively Low) in Crawford County and Crawford County had 42 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $190,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Crawford County | 42 |
| 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)