Home Insurance in Augusta, Missouri
With a median home value of $362,500, Augusta is 13% higher than the St. Charles County median.
The median home in Augusta was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 60 points above St. Charles County's 7%.
The housing stock in Augusta is 95% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Augusta, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Augusta are owner-occupied.
Most homes in Augusta - 57% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Augusta? FEMA's National Risk Index points to strong wind (Very High) in St. Charles County and St. Charles County had 1,306 active NFIP flood policies as of September 2026. See the full St. Charles 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 | $362,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in St. Charles County | 1,306 |
| 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)