Home Insurance in Bellerive Acres, Missouri
With a median home value of $329,300, Bellerive Acres is 19% higher than the St. Louis County median.
The typical home in Bellerive Acres was built around 1945. About 90% of homes were built before 1960, about 56 points above St. Louis County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Bellerive Acres breaks down to 97% single-family homes.
About 65% of owner-occupied homes in Bellerive Acres have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Bellerive Acres are owner-occupied.
96% of homes in Bellerive Acres are primarily heated with natural gas.
St. Louis County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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.
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 | $329,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)