Home Insurance in Scotsdale, Missouri
The median home value in Scotsdale is $247,900, close to the Jefferson County median.
The typical home in Scotsdale was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, in line with Jefferson County (15%).
The housing stock in Scotsdale is 100% single-family homes.
In Scotsdale, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Scotsdale are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Scotsdale - 74% - are primarily heated with electricity.
What's the biggest home insurance risk near Scotsdale? 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.
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 | $247,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)