Home Insurance in Beverly Hills, Missouri
Homes in Beverly Hills carry a median value of $70,900 - 74% lower than the St. Louis County median.
The typical home in Beverly Hills was built around 1941. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 95% of homes were built before 1960, about 61 points above St. Louis County's 34%.
Housing in Beverly Hills breaks down to 94% single-family homes and 1% apartments in buildings with 5+ units.
48% of owner-occupied homes in Beverly Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Beverly Hills are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Beverly Hills, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Beverly Hills? 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.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $70,900 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)