Home Insurance in Josephville, Missouri
Homes in Josephville carry a median value of $494,600 - 54% higher than the St. Charles County median.
The typical home in Josephville was built around 1986. About 31% of homes were built before 1960, about 25 points above St. Charles County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Josephville is 81% single-family homes and 19% apartments in buildings with 5+ units.
In Josephville, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Josephville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Josephville 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 | $494,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)