Home Insurance in Ste. Genevieve, Missouri
The median home value in Ste. Genevieve is $172,400, 22% lower than the Ste. Genevieve County median.
The typical home in Ste. Genevieve was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 14 points above Ste. Genevieve County's 19%.
The housing stock in Ste. Genevieve is 73% single-family homes, 14% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Ste. Genevieve have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Ste. Genevieve are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ste. Genevieve, 57% of homes are primarily heated with natural gas.
Ste. Genevieve County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Ste. Genevieve County had 57 active NFIP flood policies as of September 2026. See the full Ste. Genevieve County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $172,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Ste. Genevieve County | 57 |
| 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)