Home Insurance in Weldon Spring Heights, Missouri
Homes in Weldon Spring Heights carry a median value of $447,500 - 39% higher than the St. Charles County median.
The typical home in Weldon Spring Heights was built around 1947. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 80% of homes were built before 1960, about 74 points above St. Charles County's 7%.
The housing stock in Weldon Spring Heights is 100% single-family homes.
In Weldon Spring Heights, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Weldon Spring Heights are owner-occupied.
Most homes in Weldon Spring Heights - 66% - 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 | $447,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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
- Weldon Spring
- Dardenne Prairie
- Cottleville
- O'Fallon
- Chesterfield
- St. Peters
- Clarkson Valley
- Lake St. Louis
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)