Home Insurance in Sycamore Hills, Missouri
The median home value in Sycamore Hills is $137,500, 50% lower than the St. Louis County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Sycamore Hills was built in 1939 or earlier. About 89% of homes were built before 1960, about 55 points above St. Louis County's 34%.
Housing in Sycamore Hills breaks down to 99% single-family homes and 1% apartments in buildings with 5+ units.
68% of owner-occupied homes in Sycamore Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sycamore Hills has an owner-occupancy rate of 71% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Sycamore Hills - 85% - 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.
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 | $137,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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
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)