This page covers homeowners coverage for St. Ann, local context, what drives cost, and how to compare quotes without guessing.
St. Ann, MO: the local picture
St. Ann is home to about 12,658 residents in Missouri.
St. Ann lies within Missouri, where routine insurance shopping is driven more by the features of each home 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.
What homeowners pay for home insurance in St. Ann
The typical homeowners insurance premium in St. Ann, 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 41% lower — near $1,104 per year for a typical home, roughly $1,299 for a $300,000 home, about $1,827 for a $600,000 home, and around $2,378 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 St. Ann dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for St. Ann, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How St. Ann home insurance prices vary
Pricing for a St. Ann home rests on a set of connected factors that carriers check together. Deductible choice and past claims can change the final price as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Replacement cost is the amount needed to rebuild the home with similar materials at today’s labor and supply prices. A bigger rebuild figure on a St. Ann home, the price tends to climb, since the carrier could owe more.
Construction type and roof details round out the list: underwriters check frame versus masonry construction, the roofing material, and how solidly the home is built, because those details affect how it handles the wind, hail, and fire seen across Missouri.
Similar St. Ann houses with similar rebuild costs may still get different quotes because of location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
A better fire protection score built on the protection class and nearby hydrants and stations tends to make a quote more competitive.
Insurers look at claims history carefully; a recent loss tied to the home or the people in it can push rates up for St. Ann renewals and new policies.
Many insurers factor in a credit-based insurance score when state rules permit; higher scores generally bring lower prices.
What a standard home policy includes
- Dwelling (Coverage A): When a covered loss hits, this limit rebuilds the structure; make sure it tracks what rebuilding costs in your area today.
- Other structures (B): Sheds, fences, detached garages, and the like that stand apart from the house are covered here.
- Coverage C, personal property: It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Coverage D, loss of use: Temporary housing and related costs until repairs are done after a covered claim leaves it uninhabitable.
- Coverage E, personal liability: It responds when you are legally responsible for injuring someone or damaging their property arising from a covered incident.
- Medical payments (Coverage F): Visitors’ medical expenses after an injury on your property, frequently covered without a formal liability claim.
Homeowners discounts in St. Ann, 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 discount menu and sizes. “Up to” is the high end, not a guarantee.
St. Ann neighborhoods
- Saint Joseph Hills
- Saint Kelvin Park
- Halloway Hills
- Village of Saint Ann
- Rock Road Terrace
- Holiday Estate
- Ashby Place
- Acreton
- Saint Ann Hills
- South Acreton
- Buder Park
- Saint Ann Park
- Farview
- Georgetown Farm
- Oak Pointe
- Saint Michael Terrace
- Tower View
- Northwest Trails
- Westhaven
Housing and weather facts for St. Ann
NOAA’s Storm Events Database lists 36 hail reports within about 5 miles of St. Ann from 2016 through 2025; 33 were one inch or bigger. The biggest measured 2.5 inches in May 2025.
Named communities and subdivisions in USGS place-name records near St. Ann include Mary Ridge, Schuermann Heights, Pattonville, Breckenridge Hills, Bridgeton Terrace, and Edmundson. Each area can price differently because of roof age, construction, and fire-station distance.
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.
ACS 2020–2024 estimates put about 6,098 housing units in St. Ann, and owners occupy about 56% of the occupied homes. Looking at building types, 70% are detached single-family houses and 26% are in buildings with two or more units.
Occupied homes in St. Ann are heated mostly with utility gas (76%) and electricity (22%).
Tornado history matters here as well: NOAA logged 7 tornadoes touching down within 10 miles of St. Ann between 2016 and 2025, the most intense an EF2 in May 2025.
The median home in St. Ann was built in 1957. About 86% of homes predate 1980, so wiring, plumbing, and roof updates can change eligibility and price.
From 2000 on, St. Louis County has been part of 15 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (June 2025).
The Census Bureau counted 13,607 people in St. Ann at the 2000 Census and 13,020 at the 2010 Census; its July 2024 estimate is 12,704. The population has stayed fairly steady since 2000.
Going further back, the Storm Prediction Center lists 135 hail reports within 5 miles of St. Ann between 1955 and 2015, topped by hail of 3 inches on February 16, 2006. Reports of 2-inch or bigger hail number 14 in that span. NOAA Storm Prediction Center records list 30 tornadoes that began within 10 miles of St. Ann from 1950 through 2015; the strongest was an F4 on January 24, 1967. Along its full path, that storm was blamed for 3 deaths and 216 injuries.
Comparing homes in nearby towns? See our home insurance pages for Breckenridge Hills (1 mi), Woodson Terrace (1 mi), and Overland (2 mi).
St. Ann-area ZIP codes we insure
63074 · 63114 · 63044 · 63134 · 63140 · 63043
St. Ann, MO home and auto bundling
The figures below illustrate average bundle savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| St. Ann, Missouri | $160 | $240 | $340 |
Ways to save on home insurance in St. Ann
- Compare multiple carriers, since risk appetite varies.
- Bundle home and auto when it really lowers the package price.
- Raise deductibles only if you can absorb the out-of-pocket hit.
- Ask about roof, alarm, and claims-free credits that apply to your home.
See more Missouri coverage guides
Shop homeowners coverage in St. Ann, MO
For St. Ann residents, Freedom Insurance Group compares 25+ carriers. To get started, start a free home quote on our site or dial (800) 253-1482.
