Home Insurance in Jennings, Missouri
The median home value in Jennings is $68,800, 75% lower than the St. Louis County median.
The typical home in Jennings was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 29 points above St. Louis County's 34%.
The housing stock in Jennings is 80% single-family homes and 13% apartments in buildings with 5+ units.
58% of owner-occupied homes in Jennings carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Jennings are owner-occupied.
Most homes in Jennings - 75% - 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 | $68,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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
- Flordell Hills
- Norwood Court
- Northwoods
- Pasadena Hills
- Moline Acres
- Pasadena Park
- Pine Lawn
- Beverly Hills
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)