Home Insurance in St. Robert, Missouri
Homes in St. Robert carry a median value of $225,300 - 19% higher than the Pulaski County median.
The typical home in St. Robert was built around 2001. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 9 points below Pulaski County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Robert is 60% single-family homes, 16% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in St. Robert carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Robert has an owner-occupancy rate of 63% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
90% of homes in St. Robert are primarily heated with electricity.
Pulaski County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Pulaski County had 74 active NFIP flood policies as of September 2026. See the full Pulaski 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 | $225,300 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Pulaski County | 74 |
| 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)