Home Insurance in St. Louis, Missouri
With a median home value of $197,500, St. Louis is close to the St. Louis city median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in St. Louis was built in 1939 or earlier. About 75% of homes were built before 1960, in line with St. Louis city (75%).
In St. Louis, 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.
About 62% of owner-occupied homes in St. Louis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Louis 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 are primarily heated with natural gas.
St. Louis city had 232 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full St. Louis city 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 | $197,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in St. Louis city | 232 |
| 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)