Home Insurance in Parkdale, Missouri
Homes in Parkdale carry a median value of $167,300 - 29% lower than the Jefferson County median.
The typical home in Parkdale was built around 1960. About 50% of homes were built before 1960, about 35 points above Jefferson County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Parkdale, the housing stock is 100% single-family homes.
47% of owner-occupied homes in Parkdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in Parkdale are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Parkdale - 59% - 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.
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.
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 | $167,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)