HomeInsuranceQts

Home Insurance in St. Louis County, Missouri

With a median home value of $276,800, St. Louis County is 20% higher than the Missouri median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in St. Louis County was built around 1969. About 34% of homes were built before 1960, about 7 points above Missouri's 27%.

Housing in St. Louis County breaks down to 77% single-family homes and 17% apartments in buildings with 5+ units.

In St. Louis County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 69% of occupied homes in St. Louis County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In St. Louis County, 75% of homes are primarily heated with natural gas.

The top hazards for St. Louis County, per FEMA's National Risk Index, are hail (Very High), inland flooding (Relatively High) and earthquake (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, St. Louis County has 3,039 active NFIP flood policies on file.

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$276,800
Median year built1969
Owner-occupied share69%
Share of owner-occupied homes with a mortgage64%
Top hazards (FEMA National Risk Index)Hail (Very High), Inland Flooding (Relatively High), Earthquake (Relatively High)
Active NFIP flood policies (county)3,039
Home insurance premium$1,589 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

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