Home Insurance in Cool Valley, Missouri
Homes in Cool Valley carry a median value of $102,800 - 63% lower than the St. Louis County median.
The typical home in Cool Valley was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 79% of homes were built before 1960, about 45 points above St. Louis County's 34%.
The housing stock in Cool Valley is 98% single-family homes.
In Cool Valley, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Cool Valley are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Cool Valley 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.
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 | $102,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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
- Bellerive Acres
- Pasadena Park
- Norwood Court
- Normandy
- Pasadena Hills
- Kinloch
- Bel-Ridge
- Glen Echo Park
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)