Home Insurance in Valley Park, Missouri
The median home value in Valley Park is $251,000, 9% lower than the St. Louis County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Valley Park was built around 1990. About 12% of homes were built before 1960, about 22 points below St. Louis County's 34%.
Housing in Valley Park breaks down to 58% single-family homes, 36% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
77% of owner-occupied homes in Valley Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Valley Park has an owner-occupancy rate of 52% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Valley Park, 54% 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.
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 | $251,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)