Home Insurance in Irondale, Missouri
Homes in Irondale carry a median value of $99,300 - 23% lower than the Washington County median.
The typical home in Irondale was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 2 points below Washington County's 21%.
In Irondale, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Irondale, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Irondale are owner-occupied.
Most homes in Irondale - 76% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Irondale? FEMA's National Risk Index points to earthquake (Relatively Low) in Washington County and Washington County had 13 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $99,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Washington County | 13 |
| 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)