Home Insurance in Norwood Court, Missouri
Homes in Norwood Court carry a median value of $87,000 - 69% lower than the St. Louis County median.
The typical home in Norwood Court was built around 1971. About 24% of homes were built before 1960, about 10 points below St. Louis County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Norwood Court, the housing stock is 11% single-family homes, 83% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 79% of owner-occupied homes in Norwood Court have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Norwood Court has an owner-occupancy rate of 9% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
77% of homes in Norwood Court are primarily heated with natural gas.
St. Louis County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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 | $87,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 9% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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
- Pasadena Hills
- Pasadena Park
- Normandy
- Northwoods
- Glen Echo Park
- Beverly Hills
- Cool Valley
- Bellerive Acres
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)