Home Insurance in Pasadena Hills, Missouri
The median home value in Pasadena Hills is $252,800, 9% 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 Pasadena Hills was built around 1943. About 84% of homes were built before 1960, about 50 points above St. Louis County's 34%.
In Pasadena Hills, the housing stock is 80% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Pasadena Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Pasadena Hills are owner-occupied.
Most homes in Pasadena Hills - 90% - 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.
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 | $252,800 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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 Park
- Norwood Court
- Normandy
- Glen Echo Park
- Northwoods
- Beverly Hills
- Velda City
- 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)