Home Insurance in Town and Country, Missouri
Homes in Town and Country carry a median value of $928,500 - 235% higher than the St. Louis County median.
The typical home in Town and Country was built around 1983. About 10% of homes were built before 1960, about 24 points below 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 Town and Country, the housing stock is 88% single-family homes and 10% apartments in buildings with 5+ units.
55% of owner-occupied homes in Town and Country carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Town and Country has an owner-occupancy rate of 86% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
72% of homes in Town and Country 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 | $928,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)