Home Insurance in Flordell Hills, Missouri
With a median home value of $51,800, Flordell Hills is 81% lower 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 Flordell Hills was built around 1945. About 89% of homes were built before 1960, about 55 points above St. Louis County's 34%.
The housing stock in Flordell Hills is 97% single-family homes and 2% apartments in buildings with 5+ units.
46% of owner-occupied homes in Flordell Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Flordell Hills has an owner-occupancy rate of 32% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Flordell Hills, 92% of homes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $51,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)