Home Insurance in Des Peres, Missouri
Homes in Des Peres carry a median value of $609,200 - 120% higher than the St. Louis County median.
The typical home in Des Peres was built around 1976. About 20% of homes were built before 1960, about 14 points below St. Louis County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Des Peres, the housing stock is 98% single-family homes and 2% apartments in buildings with 5+ units.
In Des Peres, about 67% 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 96% of occupied homes in Des Peres are owner-occupied.
84% of homes in Des Peres are primarily heated with natural gas.
What's the biggest home insurance risk near Des Peres? 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 | $609,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)