Home Insurance in O'Fallon, Missouri
With a median home value of $326,200, O'Fallon is close to the St. Charles County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in O'Fallon was built around 2000. About 3% of homes were built before 1960, about 4 points below St. Charles County's 7%.
In O'Fallon, the housing stock is 84% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
76% of owner-occupied homes in O'Fallon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
O'Fallon has an owner-occupancy rate of 81% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in O'Fallon - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near O'Fallon? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $326,200 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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
- Dardenne Prairie
- Lake St. Louis
- Cottleville
- St. Paul
- Josephville
- Weldon Spring Heights
- St. Peters
- Weldon Spring
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)