Home Insurance in Weldon Spring, Missouri
With a median home value of $544,300, Weldon Spring is 70% higher than the St. Charles County median.
The typical home in Weldon Spring was built around 1995. About 2% of homes were built before 1960, about 5 points below St. Charles County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Weldon Spring breaks down to 82% single-family homes and 17% apartments in buildings with 5+ units.
63% of owner-occupied homes in Weldon Spring carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Weldon Spring has an owner-occupancy rate of 83% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Weldon Spring, 73% of homes 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.
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 | $544,300 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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 Heights
- Cottleville
- Dardenne Prairie
- Chesterfield
- St. Peters
- O'Fallon
- 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)