Home Insurance in Moline Acres, Missouri
Homes in Moline Acres carry a median value of $90,000 - 67% lower than the St. Louis County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Moline Acres was built around 1959. About 52% of homes were built before 1960, about 18 points above St. Louis County's 34%.
In Moline Acres, the housing stock is 84% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
60% of owner-occupied homes in Moline Acres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Moline Acres are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Moline Acres - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near Moline Acres? 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 | $90,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Bellefontaine Neighbors
- Riverview
- Jennings
- Dellwood
- Flordell Hills
- Norwood Court
- Northwoods
- Cool Valley
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)