Home Insurance in Bella Villa, Missouri
Homes in Bella Villa carry a median value of $161,800 - 42% lower than the St. Louis County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bella Villa was built around 1948. About 76% of homes were built before 1960, about 42 points above St. Louis County's 34%.
Housing in Bella Villa breaks down to 96% single-family homes.
About 57% of owner-occupied homes in Bella Villa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bella Villa has an owner-occupancy rate of 83% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Bella Villa - 91% - are primarily heated with natural gas.
FEMA rates St. Louis County's overall risk as Relatively High, led by hail (Very High). 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 | $161,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)