ST. LOUIS, Mo. (First Alert 4) - Seventy-three percent of homes damaged in last year’s May 16 tornadoes didn’t have insurance, according to Missouri state data, and homeowners will tell you that rising premiums, as well as owning one of St. Louis’ older homes, can make finding insurance challenging. LendingTree reports that homeowners’ insurance rates have risen in Missouri by 43.7% since 2019, to an average cost of $3,387 a year.