Home Insurance in Bel-Nor, Missouri
The median home value in Bel-Nor is $218,000, 21% lower than the St. Louis County median.
The typical home in Bel-Nor was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 90% of homes were built before 1960, about 56 points above St. Louis County's 34%.
Housing in Bel-Nor breaks down to 98% single-family homes.
About 63% of owner-occupied homes in Bel-Nor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Bel-Nor are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bel-Nor - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bel-Nor? FEMA's National Risk Index points to hail (Very High) in St. Louis County and St. Louis County had 3,039 active NFIP flood policies as of September 2026. See the full St. Louis 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 | $218,000 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in St. Louis County | 3,039 |
| 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)