Home Insurance in Dellwood, Missouri
The median home value in Dellwood is $83,700, 70% lower than the St. Louis County median.
The typical home in Dellwood was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 21 points above St. Louis County's 34%.
Housing in Dellwood breaks down to 93% single-family homes and 6% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Dellwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dellwood has an owner-occupancy rate of 67% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
89% of homes in Dellwood are primarily heated with natural gas.
What's the biggest home insurance risk near Dellwood? 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 | $83,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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
- Moline Acres
- Jennings
- Bellefontaine Neighbors
- Cool Valley
- Flordell Hills
- Kinloch
- Norwood Court
- Black Jack
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)