Home Insurance in La Belle, Missouri
Homes in La Belle carry a median value of $79,400 - 39% lower than the Lewis County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in La Belle was built around 1955. About 58% of homes were built before 1960, about 25 points above Lewis County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in La Belle is 80% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In La Belle, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
La Belle has an owner-occupancy rate of 71% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in La Belle - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near La Belle? FEMA's National Risk Index points to hail (Relatively Low) in Lewis County and Lewis County had 59 active NFIP flood policies as of September 2026. See the full Lewis County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $79,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Lewis County | 59 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)