Home Insurance in Edmundson, Missouri
The median home value in Edmundson is $92,900, 66% lower than the St. Louis County median.
The typical home in Edmundson was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 62% of homes were built before 1960, about 28 points above St. Louis County's 34%.
The housing stock in Edmundson is 88% single-family homes and 6% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Edmundson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 45% of occupied homes in Edmundson are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Edmundson - 83% - are primarily heated with natural gas.
St. Louis County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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 | $92,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)