Independent agents comparing homeowners quotes from 25+ carriers for Ste. Genevieve residents.
What home insurance costs in Ste. Genevieve
The typical homeowners insurance premium in Ste. Genevieve, 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 40% lower — near $1,123 per year for a typical home, roughly $1,321 for a $300,000 home, about $1,858 for a $600,000 home, and around $2,418 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 Ste. Genevieve dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Ste. Genevieve, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Ste. Genevieve, MO unique
Ste. Genevieve is about 5,037 residents, within Missouri.
Ste. Genevieve sits in Missouri, where day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Missouri; replacement cost, roof age, and construction type still drive most premium differences from street to street.
Missouri homeowners should plan for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Coverage basics for homeowners
After a covered loss, this limit rebuilds the house itself; keep it in line with current local reconstruction costs.
It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
If you are legally responsible for bodily injury or property damage to others after a covered incident, this coverage steps in.
This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Home insurance discounts in Ste. Genevieve, 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% |
Each company chooses its own discounts and amounts. Read “up to” as the maximum, not a promise.
What affects home insurance prices in Ste. Genevieve
Ste. Genevieve homeowners are priced on several interlocking factors that underwriters review 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 change the final premium as much as the carrier brand itself.
Replacement cost is the amount needed to rebuild the home with similar materials at today’s labor and supply prices. Higher rebuild estimates for Ste. Genevieve properties generally raise premiums because the carrier’s maximum payout grows with that figure.
Construction type and roof details round out the list: insurers ask whether walls are frame or masonry, the roof covering, and how solidly the home is built, since those details decide performance in wind, hail, and fire events common across Missouri.
Location risk reflects storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Ste. Genevieve, so two homes with similar rebuild costs may still price differently.
A solid fire protection score built on hydrant distance, station distance, and protection class can make a quote more competitive.
Claims history remains a major rating input: recent claims on the property or household often increase rates for Ste. Genevieve renewals and new business quotes alike.
In states that allow it, carriers may use a credit-based insurance score, and a higher score usually means a lower price.
Ste. Genevieve, MO home & auto bundling
Illustrative average bundling savings, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Ste. Genevieve, Missouri | $160 | $240 | $340 |
Ste. Genevieve housing stock and storm history
ACS 2020–2024 estimates put about 2,287 housing units in Ste. Genevieve, and homeowners occupy close to 64% of the occupied homes. Of all units, 73% are detached single-family houses, 21% are in buildings with two or more units, and 6.4% are mobile homes.
The National Risk Index from FEMA shows elevated ratings for winter-weather (“Relatively Moderate”) and strong-wind (“Relatively Moderate”) in Ste. Genevieve County.
Occupied homes in Ste. Genevieve are heated mostly with utility gas (57%) and electricity (41%).
The median home in Ste. Genevieve was built in 1970. Roughly 70% of homes were built before 1980, so system and roof updates can change eligibility and price.
From 2000 on, Ste. Genevieve County has been part of 19 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2025).
Named places the USGS records in and around Ste. Genevieve include Sainte Genevieve, Saint Jude Acres, and Mosher. Older and newer sections can quote differently because of roof age, construction, and fire-station distance.
NOAA storm records show 4 hail reports within about 5 miles of Ste. Genevieve from 2016 through 2025 (4 at one inch or more). The largest measured 2.5 inches in May 2024 around Ste. Genevieve.
Tornado history matters here as well: NOAA recorded 1 tornado touching down within 10 miles of Ste. Genevieve between 2016 and 2025, with the strongest at EF2 in October 2021.
Ste. Genevieve was incorporated in 1805. The Census Bureau counted 4,476 people in Ste. Genevieve at the 2000 Census and 4,410 at the 2010 Census; its July 2024 estimate is 5,025. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 19 hail reports within 5 miles of Ste. Genevieve between 1955 and 2015, the largest 1.75 inches on February 16, 2006. Federal tornado records from NOAA’s Storm Prediction Center list 4 tornadoes that began within 10 miles of Ste. Genevieve from 1950 through 2015; the strongest was an F2 on March 14, 1959.
Comparing homes in nearby towns? We also have home insurance pages for Perryville (20 mi), Farmington (25 mi), and Crystal (25 mi).
ZIP codes we insure in and around Ste. Genevieve
63670
More Missouri insurance resources
Get home insurance quotes in Ste. Genevieve, MO
Freedom Insurance Group compares 25+ carriers for Ste. Genevieve residents. Call (800) 253-1482 or start a free home quote online.
