Home Insurance in Wellston, Missouri
The typical home in Wellston was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 23 points above St. Louis County's 34%.
The housing stock in Wellston is 72% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 11% of owner-occupied homes in Wellston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Wellston are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Wellston 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.
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 year built | 1955 |
|---|---|
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)