Home Insurance in Bloomsdale, Missouri
With a median home value of $244,000, Bloomsdale is 10% higher than the Ste. Genevieve County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bloomsdale was built around 1990. About 16% of homes were built before 1960, about 3 points below Ste. Genevieve County's 19%.
Housing in Bloomsdale breaks down to 87% single-family homes and 12% apartments in buildings with 5+ units.
76% of owner-occupied homes in Bloomsdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Bloomsdale are owner-occupied.
In Bloomsdale, 44% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Ste. Genevieve County's overall risk as Relatively Low, led by earthquake (Relatively Low). Ste. Genevieve County had 57 active NFIP flood policies as of September 2026. See the full Ste. Genevieve County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $244,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Ste. Genevieve County | 57 |
| 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)