Home Insurance in Chesterfield, Missouri
The median home value in Chesterfield is $472,500, 71% higher than the St. Louis County median.
The typical home in Chesterfield was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, about 31 points below St. Louis County's 34%.
The housing stock in Chesterfield is 75% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Chesterfield, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Chesterfield are owner-occupied.
In Chesterfield, 74% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Chesterfield? 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 | $472,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Clarkson Valley
- Ballwin
- Weldon Spring
- Winchester
- Town and Country
- Manchester
- Weldon Spring Heights
- Maryland Heights
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)