Home Insurance in Webster Groves, Missouri
Homes in Webster Groves carry a median value of $387,600 - 40% higher than the St. Louis County median.
The typical home in Webster Groves was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 68% of homes were built before 1960, about 34 points above St. Louis County's 34%.
Housing in Webster Groves breaks down to 80% single-family homes and 18% apartments in buildings with 5+ units.
In Webster Groves, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Webster Groves are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Webster Groves, 79% 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.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $387,600 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)