Home Insurance in Florissant, Missouri
Homes in Florissant carry a median value of $148,800 - 46% lower than the St. Louis County median.
The typical home in Florissant was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 4 points above St. Louis County's 34%.
In Florissant, the housing stock is 81% single-family homes and 13% apartments in buildings with 5+ units.
About 68% of owner-occupied homes in Florissant have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Florissant has an owner-occupancy rate of 67% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
83% of homes in Florissant are primarily heated with natural gas.
FEMA rates St. Louis County's overall risk as Relatively High, led by hail (Very High). 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 | $148,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)