Home Insurance in Creve Coeur, Missouri
Homes in Creve Coeur carry a median value of $614,000 - 122% 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 Creve Coeur was built around 1980. About 8% of homes were built before 1960, about 26 points below St. Louis County's 34%.
In Creve Coeur, the housing stock is 57% single-family homes and 39% apartments in buildings with 5+ units.
In Creve Coeur, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Creve Coeur has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Creve Coeur - 55% - are primarily heated with natural gas.
What's the biggest home insurance risk near Creve Coeur? 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 | $614,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)