Home Insurance in Hazelwood, Missouri
With a median home value of $167,400, Hazelwood is 40% 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 Hazelwood was built around 1970. About 19% of homes were built before 1960, about 15 points below St. Louis County's 34%.
The housing stock in Hazelwood is 68% single-family homes, 27% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 61% of owner-occupied homes in Hazelwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hazelwood has an owner-occupancy rate of 59% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
67% of homes in Hazelwood 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.
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 | $167,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)