Home Insurance in Breckenridge Hills, Missouri
Homes in Breckenridge Hills carry a median value of $96,100 - 65% lower than the St. Louis County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Breckenridge Hills was built around 1952. About 71% of homes were built before 1960, about 37 points above St. Louis County's 34%.
The housing stock in Breckenridge Hills is 85% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Breckenridge Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Breckenridge Hills has an owner-occupancy rate of 54% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Breckenridge Hills, 76% of homes are primarily heated with natural gas.
St. Louis County had 3,039 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full St. Louis County 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 | $96,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in St. Louis County | 3,039 |
| 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)