Home Insurance in Brentwood, Missouri
With a median home value of $299,700, Brentwood is 8% higher 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 Brentwood was built around 1956. About 65% of homes were built before 1960, about 31 points above St. Louis County's 34%.
The housing stock in Brentwood is 60% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Brentwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Brentwood are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Brentwood - 51% - are primarily heated with natural gas.
What's the biggest home insurance risk near Brentwood? FEMA's National Risk Index points to hail (Very High) in St. Louis County and St. Louis County had 3,039 active NFIP flood policies as of September 2026. See the full St. Louis County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $299,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 63% |
| 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)