Home Insurance in Riverview, Missouri
Homes in Riverview carry a median value of $72,700 - 74% lower than the St. Louis County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Riverview was built around 1962. About 46% of homes were built before 1960, about 12 points above St. Louis County's 34%.
The housing stock in Riverview is 67% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Riverview, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Riverview has an owner-occupancy rate of 40% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Riverview, 75% of homes are primarily heated with natural gas.
St. Louis County had 3,039 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). 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 | $72,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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
- Moline Acres
- Jennings
- Flordell Hills
- Dellwood
- Norwood Court
- Black Jack
- Northwoods
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)