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Home insurance & flood costs in ZIP 63128 (Saint Louis, MO)

Plain facts for homeowners in Saint Louis: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 63128 at a glance

Four numbers most homeowners ask about first.

$2,161
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,140
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.70%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

6.0%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 63128 in numbers
$16,744
average paid claim (2022)
+5%
premium change 2018–2022, after inflation
0.88%
cancelled by insurers mid-term (2022)
50
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 63128 was $2,161 in 2022, 4% above the St. Louis County typical ZIP ($2,076) and 39% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 5% between 2018 and 2022. About 6.0% of policies here had a paid claim in 2022, and insurers chose not to renew 0.70% of policies.

St. Louis County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 63128St. LouisU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 63128 in 2025 cost $1,140, based on 50 policies, compared with $985 in 2022. About 22% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

50 policies
A zones 22%X/B/C zones 78%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for St. Louis County

The chart shows the share of homeowners policies in ZIP 63128 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for St. Louis County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Heat wave100 · Very High
  • Hail100 · Very High
  • Lightning99 · Very High
  • Cold wave99 · Very High
  • Inland flooding99 · Relatively High

Other ZIP codes in St. Louis County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 39; see the county page for all.

63005 Chesterfield · $3,92263011 Ballwin · $2,23963017 Chesterfield · $2,85963021 Ballwin · $2,16863025 Eureka · $2,39563031 Florissant · $1,82063033 Florissant · $2,05463034 Florissant · $2,42563038 Glencoe · $3,42463040 Grover · $2,48463042 Hazelwood · $1,76363043 Maryland Heights · $1,791

Practical next steps

Simple things homeowners in ZIP 63128 can do with this information.

Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.