Home Insurance in Bellefontaine Neighbors, Missouri
With a median home value of $99,700, Bellefontaine Neighbors is 64% lower than the St. Louis County median.
The typical home in Bellefontaine Neighbors was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 27 points above St. Louis County's 34%.
In Bellefontaine Neighbors, the housing stock is 94% single-family homes and 1% mobile or manufactured homes.
58% of owner-occupied homes in Bellefontaine Neighbors carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Bellefontaine Neighbors are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Bellefontaine Neighbors are primarily heated with natural gas.
St. Louis County had 3,039 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). 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 | $99,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)