Home Insurance in Bonne Terre, Missouri
With a median home value of $153,000, Bonne Terre is 10% lower than the St. Francois County median.
The typical home in Bonne Terre was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 22 points above St. Francois County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bonne Terre is 76% single-family homes, 14% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
73% of owner-occupied homes in Bonne Terre carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Bonne Terre are owner-occupied.
Most homes in Bonne Terre - 72% - are primarily heated with electricity.
What's the biggest home insurance risk near Bonne Terre? FEMA's National Risk Index points to strong wind (Relatively High) in St. Francois County and St. Francois County had 52 active NFIP flood policies as of September 2026. See the full St. Francois County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $153,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in St. Francois County | 52 |
| 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)