Home Insurance in Hillsdale, Missouri
The median home value in Hillsdale is $52,700, 81% lower than the St. Louis County median.
The typical home in Hillsdale was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 18 points above St. Louis County's 34%.
In Hillsdale, the housing stock is 89% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Hillsdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hillsdale has an owner-occupancy rate of 32% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
86% of homes in Hillsdale 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.
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 | $52,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)