Home Insurance in Woodson Terrace, Missouri
With a median home value of $104,000, Woodson Terrace is 62% lower than the St. Louis County median.
The typical home in Woodson Terrace was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 31 points above St. Louis County's 34%.
The housing stock in Woodson Terrace is 96% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Woodson Terrace, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Woodson Terrace are owner-occupied.
In Woodson Terrace, 87% of homes are primarily heated with natural gas.
FEMA rates St. Louis County's overall risk as Relatively High, led by hail (Very High). 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 | $104,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)