Home Insurance in Pine Lawn, Missouri
With a median home value of $66,800, Pine Lawn is 76% lower than the St. Louis County median.
The typical home in Pine Lawn was built around 1959. About 51% of homes were built before 1960, about 17 points above St. Louis County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Pine Lawn, the housing stock is 80% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 37% of owner-occupied homes in Pine Lawn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 27% of occupied homes in Pine Lawn are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 80% of homes in Pine Lawn are primarily heated with natural gas.
What's the biggest home insurance risk near Pine Lawn? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $66,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 27% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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
- Uplands Park
- Northwoods
- Beverly Hills
- Hillsdale
- Velda City
- Glen Echo Park
- Pasadena Hills
- Norwood Court
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)