Home Insurance in St. Louis city, Missouri
Homes in St. Louis city carry a median value of $197,500 - 14% lower than the Missouri median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in St. Louis city was built in 1939 or earlier. About 75% of homes were built before 1960, about 48 points above Missouri's 27%.
In St. Louis city, the housing stock is 47% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in St. Louis city carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Louis city has an owner-occupancy rate of 45% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
67% of homes in St. Louis city are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Very High), earthquake (Relatively High) and inland flooding (Relatively High) as the leading hazards for St. Louis city. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
St. Louis city had 232 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $197,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Tornado (Very High), Earthquake (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 232 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Towns and cities
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)