Home Insurance in Cottleville, Missouri
The median home value in Cottleville is $435,400, 36% higher than the St. Charles County median.
The typical home in Cottleville was built around 2012. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, about 5 points below St. Charles County's 7%.
The housing stock in Cottleville is 80% single-family homes and 20% apartments in buildings with 5+ units.
In Cottleville, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Cottleville are owner-occupied.
67% of homes in Cottleville are primarily heated with natural gas.
What's the biggest home insurance risk near Cottleville? 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.
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 | $435,400 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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
- Weldon Spring
- Dardenne Prairie
- Weldon Spring Heights
- St. Peters
- O'Fallon
- Lake St. Louis
- Chesterfield
- St. Paul
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)