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Typical homeowners costs in Pagedale
The typical homeowners insurance premium in Pagedale, 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 Pagedale dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Pagedale, 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 Pagedale, MO different
Pagedale is home to about 3,312 residents within Missouri.
Pagedale is located in Missouri, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties like those across Missouri; rebuild cost, roof age, and construction still drive most premium differences from street to street.
Tornado and severe-thunderstorm exposure are a planning priority for Missouri homeowners, along with occasional flooding near rivers and creeks.
Home insurance coverage basics
After a covered loss, this limit covers rebuilding the house itself; set it to match current local reconstruction costs.
This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
While a covered loss keeps you out of the home, it can cover added costs like a rental or hotel.
This coverage responds when you are legally responsible for injuring someone or damaging their property arising from a covered incident.
This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Common discounts for Pagedale, 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% |
Discount availability and amounts depend on the carrier. Read “up to” as the maximum, not a guarantee.
What moves home insurance rates in Pagedale
Insurers put together a Pagedale home quote from several interlocking factors that work together. Count on rebuild cost, the roof’s age and type, and local storm or wildfire exposure to matter most. Deductible choice and claims history can also shift the final premium about as much as choosing one carrier over another.
Replacement cost is what it would take to rebuild the home with similar materials at today’s prices for labor and supplies. Bigger rebuild figures for Pagedale properties generally raise premiums since the carrier’s maximum payout rises with that figure.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality shape how a property holds up in the wind, hail, and fire events that are common across Missouri.
Location risk is why similar homes can price differently: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood within Pagedale.
Fire protection weighs hydrant and fire-station distance along with the area’s protection class, and stronger protection profiles can support more competitive pricing.
Insurers look at claims history closely; fresh claims tied to the home or the people in it can push Pagedale renewals and new quotes higher.
Credit-based insurance score can move the price in states that allow it: insurers relying on it tend to price lower when scores are higher.
Pagedale, MO home and auto bundling
Average bundle savings, illustrated, not guaranteed. Actual savings vary with carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Pagedale, Missouri | $160 | $240 | $340 |
Neighborhoods in Pagedale
- Hazel Hill
- Fourland Place
- Gardena Place
- Hanley Gardens
- Saint Charles Rock Road Terrace
- Pageview
- Melrose Park
- Griefield Place
- Engelholm
- Adele Park
- Crilly’s Terrace
- Page Kingsland
- Schofield Place
- Partridge Heights
- Penn Park
- Pershing Heights
- McNamee Heights
- Bellemoor Park
What public data says about Pagedale homes
From 2000 on, St. Louis County has been part of 15 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (June 2025).
The median home in Pagedale was built in 1955. About 86% of homes were built before 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”) in St. Louis County.
The Census Bureau’s 2020–2024 American Community Survey counts about 1,461 housing units in Pagedale, and homeowners occupy close to 47% of the occupied homes. Looking at building types, 89% are detached single-family houses and 9.4% are in buildings with two or more units.
Tornado history matters here as well: NOAA logged 7 tornadoes touching down within 10 miles of Pagedale over 2016–2025, with the strongest at EF2 in May 2025.
NOAA’s Storm Events Database lists 25 hail reports within about 5 miles of Pagedale from 2016 through 2025; 22 were one inch or bigger. The biggest was 2.5 inches in May 2025.
Home heating in Pagedale runs mainly on utility gas (76%) and electricity (21%).
Named communities and subdivisions in USGS place-name records near Pagedale include Wellston, Hanley Hills, Velda Village, Greendale, Vinita Terrace, and Hillsdale. Older and newer sections can quote differently because of roof age, construction, and fire-station distance.
Pagedale’s population went from 3,616 at the 2000 Census to 3,304 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 2,516. The town has about 30% fewer people than in 2000.
Earlier hail records help too: the Storm Prediction Center lists 98 hail reports within 5 miles of Pagedale between 1955 and 2015, topped by hail of 4.5 inches on May 25, 2011. Reports of 2-inch or bigger hail number 12 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 31 tornadoes that began within 10 miles of Pagedale from 1950 through 2015; the strongest was an F4 on April 3, 1981. That tornado’s record lists 32 injuries.
Shopping around the area? See our home insurance pages for Wellston (1 mi), Hanley Hills (1 mi), and University City (2 mi).
Where we write coverage around Pagedale
63133 · 63130 · 63121 · 63112 · 63120 · 63105
See more Missouri insurance resources
Quote homeowners coverage for Pagedale, MO
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