Home Insurance in Wentzville, Missouri
With a median home value of $331,300, Wentzville is close to the St. Charles County median.
The typical home in Wentzville was built around 2008. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 1 point below St. Charles County's 7%.
In Wentzville, the housing stock is 89% single-family homes and 8% apartments in buildings with 5+ units.
80% of owner-occupied homes in Wentzville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Wentzville are owner-occupied.
63% of homes in Wentzville 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.
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 | $331,300 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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
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)