Home Insurance in St. Peters, Missouri
The median home value in St. Peters is $269,900, 16% lower than the St. Charles County median.
The typical home in St. Peters was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, about 4 points below St. Charles County's 7%.
In St. Peters, the housing stock is 78% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 71% of owner-occupied homes in St. Peters have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Peters has an owner-occupancy rate of 79% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
69% of homes in St. Peters 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.
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 | $269,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- Cottleville
- St. Charles
- Weldon Spring
- O'Fallon
- Dardenne Prairie
- Weldon Spring Heights
- Maryland Heights
- St. Paul
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)