Home Insurance in St. Paul, Missouri
Homes in St. Paul carry a median value of $443,600 - 38% higher than the St. Charles County median.
The typical home in St. Paul was built around 2005. About 5% of homes were built before 1960, about 2 points below St. Charles County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In St. Paul, the housing stock is 97% single-family homes and 3% apartments in buildings with 5+ units.
74% of owner-occupied homes in St. Paul carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in St. Paul are owner-occupied. The vacancy rate is 5%; 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. 50% of homes in St. Paul are primarily heated with natural gas.
St. Charles County had 1,306 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full St. Charles County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $443,600 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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
- Josephville
- O'Fallon
- Lake St. Louis
- Chain of Rocks
- Old Monroe
- Flint Hill
- Wentzville
- Dardenne Prairie
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)