Home Insurance in Lake St. Louis, Missouri
The median home value in Lake St. Louis is $405,900, 27% higher than the St. Charles County median.
The typical home in Lake St. Louis was built around 2000. About 0% of homes were built before 1960, about 7 points below St. Charles County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Lake St. Louis, the housing stock is 78% single-family homes and 19% apartments in buildings with 5+ units.
72% of owner-occupied homes in Lake St. Louis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lake St. Louis has an owner-occupancy rate of 76% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
63% of homes in Lake St. Louis 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 | $405,900 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)