Home Insurance in Herculaneum, Missouri
With a median home value of $234,300, Herculaneum is close to the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Herculaneum was built around 2002. About 12% of homes were built before 1960, about 4 points below Jefferson County's 15%.
In Herculaneum, the housing stock is 94% single-family homes and 6% apartments in buildings with 5+ units.
In Herculaneum, about 86% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Herculaneum has an owner-occupancy rate of 91% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
51% of homes in Herculaneum are primarily heated with electricity.
What's the biggest home insurance risk near Herculaneum? FEMA's National Risk Index points to strong wind (Very High) in Jefferson County and 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.
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 | $234,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 86% |
| 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)