Home Insurance in Park Hills, Missouri
The median home value in Park Hills is $131,300, 22% lower than the St. Francois County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Park Hills was built around 1969. About 42% of homes were built before 1960, about 16 points above St. Francois County's 26%.
In Park Hills, the housing stock is 65% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in Park Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Park Hills are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Park Hills, 74% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Park Hills? FEMA's National Risk Index points to strong wind (Relatively High) in St. Francois County and St. Francois County had 52 active NFIP flood policies as of September 2026. See the full St. Francois 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 | $131,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in St. Francois County | 52 |
| 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)