Home Insurance in St. Elizabeth, Missouri
With a median home value of $284,100, St. Elizabeth is 48% higher than the Miller County median.
The typical home in St. Elizabeth was built around 1987. About 13% of homes were built before 1960, about 1 point below Miller County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In St. Elizabeth, the housing stock is 96% single-family homes.
About 53% of owner-occupied homes in St. Elizabeth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Elizabeth has an owner-occupancy rate of 94% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in St. Elizabeth - 64% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Miller County had 18 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Miller 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 | $284,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Miller County | 18 |
| 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)