Home Insurance in Cedar Hill Lakes, Missouri
With a median home value of $140,000, Cedar Hill Lakes is 41% lower than the Jefferson County median.
The typical home in Cedar Hill Lakes was built around 1957. About 65% of homes were built before 1960, about 50 points above Jefferson County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cedar Hill Lakes, the housing stock is 100% single-family homes.
In Cedar Hill Lakes, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Cedar Hill Lakes are owner-occupied.
In Cedar Hill Lakes, 62% of homes 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.
FEMA rates Jefferson County's overall risk as Relatively Moderate, led by strong wind (Very High). Jefferson County had 679 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $140,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Jefferson County | 679 |
| 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)