Lake Saint Louis, St. Charles County
Lake Saint Louis roofing, city rules and association approval
A planned lake town where a new roof answers to two sets of rules: the city’s building standards and, for many homes, an association’s design guidelines.
Prefer to talk? Call (314) 222-9529
Lake Saint Louis began in 1966, when developer R.T. Crow, having toured Reston, Virginia and Columbia, Maryland, set out to turn a planned weekend lake community between two major highways into a complete new town. Its covenants were recorded in June 1967, and for the first 12 years the Community Association was the only local government. Residents incorporated as Harbor Town in 1975 and took the name Lake Saint Louis in 1977.
That history still shows up in a roof project. Correll Roofing Co. is based next door in O’Fallon, and the first thing to settle on any Lake Saint Louis roof is whose rules apply: the city’s, your association’s, or both. Sorting that out before you choose a shingle color saves a round of revisions.
Places you will know
- Lake Ste. Louise
- Harbor Town
- Hawk Ridge Park
- The Meadows
- Lake Saint Louis Boulevard
- Lake Forest Country Club
Census ACS 2020 to 2024 and NOAA Storm Events Database (hail within 5 miles). Details below.
Local homes
Lake neighborhoods from the 1970s, newer streets since
Harbor Town and Bent Oak were among the first neighborhoods, built between 1969 and 1974, soon after work began on the dam for the 600-acre main lake. About 19 percent of homes here date from 1960 to 1979, and the median home was built in 2000, as the population grew from 2,445 in a 1976 special census to 16,707 in 2020. The city’s directory now lists 54 community and homeowners associations, from the Lake Saint Louis Community Association to Heritage of Hawk Ridge and Key Harbour Estates.
For homes under the Lake Saint Louis Community Association, the design guidelines get specific about roofs: one material and one color across the whole roof, no white or primary-color shingles (blacks, grays and earth tones are encouraged), vents and flashing painted to match the roof or trim, and vent pipes on the least visible side below the ridge. Gutters and downspouts must match the surface they run along or an approved trim color, and fascia and soffits stay in the house or trim color.
Hail and wind
Frequent quarter-size hail, and one big March swath
Hail near Lake Saint Louis has been steady rather than huge. NOAA counts 14 reports inside a 5-mile radius since January 2015, all at least an inch across, on 10 different days. None in that circle topped 1.25 inches, which the National Weather Service compares to a half dollar. Eight came in 2023 or later, the latest on April 27, 2026, when the Storm Prediction Center had the region at a Moderate Risk and an NWS employee reported 1-inch hail just southwest of town.
Point reports miss things. NOAA’s narrative for March 14, 2024 lists Lake Saint Louis among the I-70 cities hit by a swath of hail around 3 inches, a storm that damaged roofs and siding on hundreds of homes and businesses across the area, yet no measured report from it landed inside the 5-mile circle.
Source: NOAA National Centers for Environmental Information, Storm Events Database, hail reports with a location within 5 miles of the center of Lake Saint Louis, January 2015 to June 2026. Reports come from spotters, NWS staff and the public, so they undercount.
Services
What we do in Lake Saint Louis
Roof Replacement
Get the color approved before anything is ordered. Then the old roof comes off to the deck, and the old shingles are recycled.
Learn moreRoof Repair
Missing shingles, cracked pipe boots and flashing leaks repaired with materials that match what is already on the roof.
Learn moreStorm and Hail Damage Repair
Photos of every hail mark we find, a walk-through before anything else happens, and, if you file, a meeting with your adjuster on site.
Learn moreGutters and Downspouts
Seamless gutters and downspouts in a color that matches your trim or the wall behind them, as the association guidelines expect.
Learn moreSoffit and Fascia
Fascia and soffit repair in your house or trim color, and vented soffit where the attic needs more airflow.
Learn moreThe City of Lake Saint Louis answers the permit question directly: its Community Development FAQ says a permit is not required for a roof replacement. The city’s posted asphalt shingle requirements still apply, including drip edge at eaves and rakes and two layers of underlayment on slopes from 2:12 to 4:12, while ice and water shield is required only if the shingle manufacturer calls for it. Rules change, so check the city’s pages before work starts.
No permit does not mean no approval. The Lake Saint Louis Community Association’s newsletters say all outside changes to a house, new roofs included, need Architectural Control Committee approval, and that work should not start until approval is in hand. The committee meets twice a month, with applications due the Tuesday before a Thursday meeting. If your home belongs to a different association, ask for its rules.
Fixed on the spot
I had a leak in my roof and called a couple different roofing companies to check it out. None of them could figure out where it was coming from, they just told me I’d need a whole new roof. Then I called Correll Roofing Company. Curtis came out…
Knowledgeable, polite, and responsive
I contacted Correll Roofing about some shingles that I lost off of my roof during this last round of high winds that we experienced. Jon responded to my inquiry quickly, came out to my home and replaced the missing shingles in a very timely manner.…
Reassured me and walked me through the process
I had the pleasure of working with Devin Stinson and am currently getting my roof replaced. I had waited almost too long to do it as I am a first time homeowner. The process was a little scary but Devin reassured me and walked me through the process…
FAQ
Roofing in Lake Saint Louis: questions
Call (314) 222-9529 if yours is not here.
Does Lake Saint Louis require a permit for a new roof?
Not the city, according to its Community Development FAQ. The job still has to meet the city’s posted shingle requirements, and homes in the Lake Saint Louis Community Association need Architectural Control Committee approval before work starts.
Can I switch to a different shingle color?
Yes, with approval. The association’s guidelines say color changes, roofing included, must be approved, and they rule out white and primary colors as the main roof color. Applications have to include color samples, so pick your shingle before you apply.
Can I keep the turbine vents on my roof?
Not under the association guidelines, which do not permit wind-powered roof ventilators. Ridge vents, flush-mounted vents and other low-profile vents can be approved, and a new roof is the natural time to make that switch.
Guides
For Lake Saint Louis homeowners
After a hail or wind storm
A calm checklist for the first two days after hail or high wind. Stay safe, check from the ground, document the storm date, protect the house, call your insurer and sign nothing at the door.
Read the guide
Missouri roof insurance claims
From the first photos to the final check, here is how a Missouri storm claim usually unfolds, what actual cash value and recoverable depreciation mean, and what state law says about roofing contracts.
Read the guide
How long a roof lasts
Architectural shingles often run about 30 years, metal 40 to 80 and good slate far longer, but St. Louis heat, freeze-thaw winters and hail move those numbers. Here is what to expect and why.
Read the guide
Roofing With Integrity
Roofing in Lake Saint Louis, starting with a free inspection.
No obligation and no pressure. We look over the roof and exterior, photograph what we find and walk you through it. If you have storm damage, we help with the insurance claim from the first call.
- Call(314) 222-9529
- Emailoffice@correllroofingco.com
- Based in O’Fallon1048 Rondale Ct., O’Fallon, MO 63368
- ACS 2020 to 2024 5-year estimates, U.S. Census Bureau via Census Reporter
- Storm Events Database, NOAA National Centers for Environmental Information
- Storm Events bulk data and narratives, NOAA NCEI
- History, City of Lake Saint Louis
- About Lake Saint Louis, City of Lake Saint Louis
- Lake St. Louis, Missouri, Wikipedia
- Community Associations directory, City of Lake Saint Louis
- Roof replacement permit FAQ, City of Lake Saint Louis Community Development
- Asphalt Shingle Roof Requirements, City of Lake Saint Louis
- Architectural Guidelines (revised 2026), Lake Saint Louis Community Association
- Architectural Control, Lake Saint Louis Community Association
- August 2025 Newsletter, Lake Saint Louis Community Association
- Hail size reference table, National Weather Service La Crosse