Home Insurance in De Soto, Missouri
The median home value in De Soto is $160,700, 32% lower than the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in De Soto was built around 1966. About 40% of homes were built before 1960, about 25 points above Jefferson County's 15%.
In De Soto, the housing stock is 69% single-family homes, 25% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In De Soto, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
De Soto has an owner-occupancy rate of 58% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
56% of homes in De Soto are primarily heated with electricity.
Jefferson County had 679 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Jefferson 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 | $160,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)