Home Insurance in Weston, Missouri
The median home value in Weston is $259,000, 25% lower than the Platte County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Weston was built around 1972. About 32% of homes were built before 1960, about 21 points above Platte County's 11%.
The housing stock in Weston is 89% single-family homes and 2% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Weston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Weston are owner-occupied.
Most homes in Weston - 53% - are primarily heated with natural gas.
Platte County had 161 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Platte County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $259,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Platte County | 161 |
| 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)