Independent agents comparing homeowners quotes from 25+ carriers for Weldon Spring residents.
What home insurance costs in Weldon Spring
The typical homeowners insurance premium in Weldon Spring, MO is about $1,872 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 39% lower — near $1,142 per year for a typical home, roughly $1,343 for a $300,000 home, about $1,889 for a $600,000 home, and around $2,458 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Weldon Spring dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Weldon Spring, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Weldon Spring, MO: local context
Weldon Spring is home to roughly 5,575 residents in Missouri.
Weldon Spring sits in Missouri, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
The housing stock is largely single-family homes typical of Missouri, but replacement cost, roof age, and construction type still explain most premium differences block by block.
Missouri homeowners should plan for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
How a homeowners policy is built
Following a covered loss, this coverage covers rebuilding the house itself; set it to match what rebuilding costs in your area today.
This portion applies to detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
Your furniture, clothes, and everyday belongings in the home fall under this coverage, though certain valuable items have lower limits.
This helps with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
When you are found legally liable for injuring another person or damaging their things after a covered incident, it applies.
It can help pay guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Homeowners discounts in Weldon Spring, MO
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Every insurer decides its own discount menu and sizes. “Up to” marks the top of the range, not a guarantee.
Home insurance price factors in Weldon Spring
Weldon Spring homeowners are priced on several related factors that underwriters weigh when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Replacement cost is what it would take to rebuild the home with like-kind materials at today’s prices for labor and supplies. Bigger rebuild figures for Weldon Spring properties usually push up premiums since the carrier’s maximum payout rises with that figure.
Construction type and roof details play a role too: frame versus masonry walls, roofing material, and overall build quality all affect how a property holds up in wind, hail, and fire common across Missouri.
Location risk rolls up storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Weldon Spring, so two homes with similar rebuild costs might still quote differently.
Fire protection considers how far the home sits from hydrants and stations together with the local protection class, and a stronger protection profile may earn more competitive pricing.
Claims history stays a major rating input: recent claims on the property or household frequently raise rates for Weldon Spring renewals and new business quotes as well.
Credit-based insurance score, where state law permits, is another lever; higher scores typically bring cheaper premiums when the carrier uses it.
Home-and-auto bundles in Weldon Spring, MO
Illustrative average bundling savings, not a quote. Actual savings come down to the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Weldon Spring, Missouri | $160 | $240 | $340 |
Neighborhoods around Weldon Spring
- Camelot
- Rodelle Woods
- Delano Estates
- Willow Lake
- Wycliffe
- Johnlinn
- Grey Oaks
- Enclave At Saddleback
- Tudors Trace
- Estates at Westchester Farm
- Blueridge Terrace
- Williamsburg on the Green
- Westerfield
- Granada Hills
- Southbrook Forest
- Hunters’ Green Estates
- Wrenwyck Place
- Highland Estates Saint Peters
- Cedar Glen
Housing and weather facts for Weldon Spring
The USGS GNIS lists these named communities and subdivisions in and around Weldon Spring: Weldon and Weldon Spring Heights. Older and newer sections can quote differently based on build era, roof, and fire protection.
Home heating in Weldon Spring runs mainly on utility gas (73%) and electricity (25%).
Since 2000, St. Charles County has been part of 10 major disaster declarations; the most recent is Severe Storms and Flooding (August 2022).
Half of Weldon Spring’s homes were built in or before 1995. Ages are mixed: 4.0% date from before 1980 and 18% went up in 2010 or later.
Census survey estimates (ACS 2020–2024) show about 2,199 housing units in Weldon Spring, and owners occupy roughly 83% of the occupied homes. By structure type, 76% are detached single-family houses and 18% are in buildings with two or more units.
Tornado history matters here as well: NOAA logged 7 tornadoes starting within 10 miles of Weldon Spring between 2016 and 2025, with the strongest at EF2 in March 2025.
NOAA’s Storm Events Database lists 36 hail reports within about 5 miles of Weldon Spring from 2016 through 2025; 33 were one inch or bigger. The biggest measured 3 inches in May 2023 around Harvester.
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively High”), tornado (“Relatively High”), winter-weather (“Relatively High”), and strong-wind (“Very High”) in St. Charles County.
The Census Bureau counted 5,270 people in Weldon Spring at the 2000 Census and 5,443 at the 2010 Census; its July 2024 estimate is 5,304. The population has stayed fairly steady since 2000.
Going further back, the Storm Prediction Center lists 63 hail reports within 5 miles of Weldon Spring between 1955 and 2015, the largest 2 inches on April 22, 2011. 1 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 26 tornadoes that began within 10 miles of Weldon Spring from 1950 through 2015; the most powerful, rated F4, touched down on January 24, 1967. NOAA ties that tornado to 3 deaths and 216 injuries.
Looking at neighboring communities? Nearby home insurance pages: Cottleville (3 mi), Dardenne Prairie (4 mi), and Chesterfield (5 mi).
ZIP codes we cover near Weldon Spring
63338 · 63368 · 63304
Other Missouri insurance resources
Weldon Spring, MO homeowners quotes
Freedom Insurance Group checks 25+ carriers on behalf of Weldon Spring homeowners. Begin a home quote online or phone (800) 253-1482.
