Home Insurance in Twin Oaks, Missouri
With a median home value of $298,800, Twin Oaks is 8% higher than the St. Louis County median.
The typical home in Twin Oaks was built around 2012. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 32 points below St. Louis County's 34%.
Housing in Twin Oaks breaks down to 30% single-family homes and 64% apartments in buildings with 5+ units.
71% of owner-occupied homes in Twin Oaks carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Twin Oaks has an owner-occupancy rate of 32% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Twin Oaks - 83% - are primarily heated with electricity.
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.
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 | $298,800 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)