Home Insurance in Flint Hill, Missouri
Homes in Flint Hill carry a median value of $475,500 - 48% higher than the St. Charles County median.
The typical home in Flint Hill was built around 2002. About 11% of homes were built before 1960, about 4 points above St. Charles County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Flint Hill breaks down to 70% single-family homes and 29% apartments in buildings with 5+ units.
About 53% of owner-occupied homes in Flint Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Flint Hill has an owner-occupancy rate of 72% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Flint Hill are primarily heated with electricity.
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 | $475,500 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)