Home Insurance in Manchester, Missouri
Homes in Manchester carry a median value of $323,100 - 17% higher than the St. Louis County median.
The typical home in Manchester was built around 1977. About 6% of homes were built before 1960, about 28 points below St. Louis County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Manchester is 78% single-family homes and 21% apartments in buildings with 5+ units.
In Manchester, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Manchester has an owner-occupancy rate of 75% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Manchester, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Manchester? FEMA's National Risk Index points to hail (Very High) in St. Louis County and 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 | $323,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 75% |
| 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)