Home Insurance in Jefferson County, Missouri
With a median home value of $237,200, Jefferson County is close to the Missouri median.
The typical home in Jefferson County was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 12 points below Missouri's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jefferson County is 82% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 66% of owner-occupied homes in Jefferson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jefferson County has an owner-occupancy rate of 82% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Jefferson County - 58% - 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.
Per FEMA's National Risk Index, Jefferson County's top hazards are strong wind (Very High), tornado (Relatively High) and hail (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Jefferson County has 679 active NFIP flood policies on file.
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 | $237,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 679 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arnold
- Cedar Hill Lakes
- Crystal City
- De Soto
- Festus
- Herculaneum
- Hillsboro
- Kimmswick
- Lake Tekakwitha
- Parkdale
- Peaceful Village
- Pevely
- Scotsdale
Smaller communities
-
Byrnes Mill
- Median home value: $306,200
- Median year built: 1997
- Owner-occupied share: 81%
-
Olympian Village
- Median home value: $157,000
- Median year built: 1980
- Owner-occupied share: 80%
Sources
- 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)