Home Insurance in Dardenne Prairie, Missouri
With a median home value of $432,000, Dardenne Prairie is 35% higher than the St. Charles 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 Dardenne Prairie was built around 2004. About 2% of homes were built before 1960, about 5 points below St. Charles County's 7%.
The housing stock in Dardenne Prairie is 95% single-family homes and 1% apartments in buildings with 5+ units.
78% of owner-occupied homes in Dardenne Prairie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Dardenne Prairie are owner-occupied.
In Dardenne Prairie, 82% of homes are primarily heated with natural gas.
St. Charles County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $432,000 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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 Heights
- O'Fallon
- Cottleville
- Weldon Spring
- Lake St. Louis
- St. Peters
- Josephville
- 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)