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Independent agents comparing homeowners quotes from 25+ carriers for Maplewood residents.
Typical homeowners costs in Maplewood
The typical homeowners insurance premium in Maplewood, MO is about $2,097 annually for a typical local home (typical local home value about $260,000). For a $300,000 dwelling, expect around $2,343 per year; for a $600,000 home about $3,297; and for a $1,000,000 dwelling about $4,290. Freedom Insurance Group rates are often about 35% lower — near $1,363 per year for a typical home, roughly $1,523 for a $300,000 home, about $2,143 for a $600,000 home, and around $2,788 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,822 |
| $200,000 – $300,000 | $2,036 |
| $300,000 – $400,000 | $2,500 |
| $400,000 – $500,000 | $2,830 |
| $500,000 – $600,000 | $3,150 |
| $600,000 – $700,000 | $3,401 |
| $700,000 – $800,000 | $3,609 |
| $800,000 – $900,000 | $3,881 |
| $900,000 – $1,000,000 | $4,153 |
Band premiums are midpoints on the Maplewood dwelling curve (typical local home value about $260,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Maplewood, MO, using a typical local home value of about $260,000. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Maplewood, MO unique
Roughly 7,945 people live in Maplewood in Missouri.
Maplewood lies within Missouri, where everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of Missouri, but replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Homeowners coverage basics
It pays to rebuild the house itself after a covered loss, and it should keep pace with what rebuilding costs locally right now.
It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
This coverage can help with additional living expenses when a covered claim makes the home unlivable for a while during repairs.
If you are legally responsible for injuring another person or damaging their things after a covered incident, it applies.
When a guest gets hurt on your property, it helps with their medical bills, often without a formal liability claim.
Common discounts for Maplewood, MO homeowners
| 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% |
Which discounts apply and how much they are worth depend on the carrier. Read “up to” as the top end, not a promise.
Home insurance price factors in Maplewood
A homeowners quote in Maplewood rests on a handful of related inputs that underwriters review together. The heaviest factors are typically rebuild cost, roof age and material, and exposure to storms or wildfire; your deductible and claims record can move the final premium as much as the carrier brand itself.
Replacement cost answers one question: how much would it take to rebuild this home today, with similar materials, at current labor and supply prices? The maximum payout moves with the rebuild estimate, so bigger estimates on Maplewood homes usually mean a higher price.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality all influence how a property performs in wind, hail, and fire scenarios common across Missouri.
Scores for storms, hail, wildfire, and crime feed into location risk, which can change by ZIP code and neighborhood in Maplewood, meaning homes with similar rebuild costs can still get different prices.
Fire protection matters as well: a hydrant close by, a short drive to the fire station, and a good protection class rating can all help the premium.
Claims history stays a major rating input: recent claims on the property or household tend to raise rates for Maplewood renewals and new business quotes too.
Credit-based insurance score, where permitted by state rules, is another lever; stronger scores usually correlate with lower prices when the carrier uses it.
Maplewood, MO home and auto bundling
These show average bundling savings, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Maplewood, Missouri | $160 | $240 | $340 |
Neighborhoods in Maplewood
- Ellendale
- Franz Park
- Lindenwood Park
- Clifton Heights
- Clayton-Tamm
- North Hampton
- Maple Lawn
- Rannell’s Addition
- Alpine Terrace
- Zephyr Hills
- South Richmond Heights
- Brentwood Heights
- Murdoch Farm
- Pennsylvania Park
- Zeta Dell
- Glenolga Place
- Miami Place
- Barbara Jean
- Benton Place
Housing and weather facts for Maplewood
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”) in St. Louis County.
From 2000 on, St. Louis County has appeared in 15 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (June 2025).
Maplewood’s median year built is 1952. Roughly 87% of homes predate 1980, so wiring, plumbing, and roof updates can change eligibility and price.
Occupied homes in Maplewood are heated mostly with utility gas (64%) and electricity (36%).
NOAA’s Storm Events Database lists 42 hail reports within about 5 miles of Maplewood from 2016 through 2025 (38 at one inch or more). The biggest measured 2 inches in May 2024 near Carondelet.
Census survey estimates (ACS 2020–2024) show about 4,745 housing units in Maplewood, and owner-occupants live in close to 40% of the occupied homes. Looking at building types, 46% are detached single-family houses and 50% are in buildings with two or more units.
Named places the USGS records in and around Maplewood include Ellendale, Lake Junction, Richmond Heights, Benton, Brentwood, and Hi-Pointe. Older and newer sections can quote differently based on build era, roof, and fire protection.
On tornadoes, NOAA logged 7 tornadoes touching down within 10 miles of Maplewood over 2016–2025, with the strongest at EF2 during May 2025.
Census counts put Maplewood at 9,228 residents in 2000 and 8,046 in 2010, and the Census Bureau’s July 2024 estimate is 8,077. That is roughly 12% fewer residents than in 2000.
Going further back, SPC data show 134 hail reports within 5 miles of Maplewood between 1955 and 2015, topped by hail of 4.5 inches on May 25, 2011. Reports of 2-inch or bigger hail number 14 in that span. The NOAA Storm Prediction Center database shows 20 tornadoes that began within 10 miles of Maplewood from 1950 through 2015, the strongest an F3 on May 1, 1983.
Comparing homes in nearby towns? See our home insurance pages for Brentwood (1 mi), Richmond Heights (1 mi), and Shrewsbury (2 mi).
Maplewood-area ZIP codes we insure
63143 · 63117 · 63144 · 63139 · 63119 · 63105
More Missouri insurance resources
Maplewood, MO home insurance quotes
Freedom Insurance Group compares 25+ carriers for Maplewood residents. Start a free home quote online or phone (800) 253-1482.
