Home Insurance in Crestwood, Missouri
Homes in Crestwood carry a median value of $319,600 - 15% higher than the St. Louis County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Crestwood was built around 1960. About 51% of homes were built before 1960, about 17 points above St. Louis County's 34%.
The housing stock in Crestwood is 88% single-family homes and 9% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Crestwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Crestwood are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Crestwood are primarily heated with natural gas.
What's the biggest home insurance risk near Crestwood? 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.
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 | $319,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)