Home Insurance in Clarkson Valley, Missouri
The median home value in Clarkson Valley is $867,000, 213% higher than the St. Louis County median.
The typical home in Clarkson Valley was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 33 points below St. Louis County's 34%.
Housing in Clarkson Valley breaks down to 100% single-family homes.
About 69% of owner-occupied homes in Clarkson Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Clarkson Valley are owner-occupied.
In Clarkson Valley, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Clarkson Valley? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $867,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)