Home Insurance in Bell City, Missouri
Homes in Bell City carry a median value of $47,500 - 67% lower than the Stoddard County median.
The typical home in Bell City was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, in line with Stoddard County (25%).
The housing stock in Bell City is 44% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Bell City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Bell City are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bell City, 58% of homes are primarily heated with electricity.
Stoddard County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Stoddard County had 181 active NFIP flood policies as of September 2026. See the full Stoddard County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $47,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Stoddard County | 181 |
| 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)