Home Insurance in St. James, Missouri
Homes in St. James carry a median value of $142,000 - 31% lower than the Phelps 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 St. James was built around 1976. About 26% of homes were built before 1960, about 9 points above Phelps County's 16%.
In St. James, the housing stock is 71% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in St. James have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. James has an owner-occupancy rate of 58% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in St. James - 59% - are primarily heated with electricity.
FEMA rates Phelps County's overall risk as Relatively Low, led by earthquake (Relatively Low). Phelps County had 89 active NFIP flood policies as of September 2026. See the full Phelps County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $142,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Phelps County | 89 |
| 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)