Compare homeowners insurance quotes in Hazelwood, MO with Freedom Insurance Group. We check 25+ carriers and help you match coverage to the home and vehicles you actually own.
Average cost of home insurance in Hazelwood, MO
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$260,000) | $2,097 | $1,321 |
| $300,000 dwelling | $2,343 | $1,476 |
| $600,000 dwelling | $3,297 | $2,077 |
| $1,000,000 dwelling | $4,290 | $2,703 |
The typical homeowners insurance premium in Hazelwood, MO is about $2,097 annually for a typical local home (typical local home value about $260,000). For a $300,000 dwelling, expect around $2,343 per year; for a $600,000 home about $3,297; and for a $1,000,000 dwelling about $4,290. Freedom Insurance Group rates are often about 37% lower — near $1,321 per year for a typical home, roughly $1,476 for a $300,000 home, about $2,077 for a $600,000 home, and around $2,703 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,822 |
| $200,000 – $300,000 | $2,036 |
| $300,000 – $400,000 | $2,500 |
| $400,000 – $500,000 | $2,830 |
| $500,000 – $600,000 | $3,150 |
| $600,000 – $700,000 | $3,401 |
| $700,000 – $800,000 | $3,609 |
| $800,000 – $900,000 | $3,881 |
| $900,000 – $1,000,000 | $4,153 |
Band premiums are midpoints on the Hazelwood dwelling curve (typical local home value about $260,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Hazelwood, MO, using a typical local home value of about $260,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Hazelwood, MO
Hazelwood is home to about 25,661 residents, located in Saint Louis County.
Hazelwood lies within the Saint Louis County area, where day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Saint Louis County area, but replacement cost, roof age, and construction type still explain most premium differences from one house to the next.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
How Hazelwood home insurance prices vary
Underwriters build a Hazelwood homeowners quote from several connected factors reviewed together. Look for rebuild cost, the roof’s age and type, and storm and wildfire exposure to move the number most. Deductible choice and claims history can swing the final price as much as the carrier brand.
Replacement cost comes down to a simple question: how much would it take to rebuild this home today, with similar materials, at today’s prices for labor and materials? What the insurer might pay tracks the rebuild estimate, which is why bigger estimates on Hazelwood homes usually mean higher premiums.
Construction type and roof details also move the price: underwriters check whether walls are frame or masonry, the roofing material, and how solidly the home is built, since those details shape performance in the wind, hail, and fire seen across Missouri.
Storm, hail, wildfire, and crime scores feed into location risk, and they can shift by ZIP code and neighborhood in Hazelwood, meaning homes with similar rebuild costs may still price differently.
A solid fire protection score built on hydrant distance, station distance, and protection class tends to make a quote more competitive.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Hazelwood renewals and new business quotes as well.
Some carriers factor in a credit-based insurance score where permitted; higher scores generally bring lower prices.
Savings opportunities for Hazelwood, MO homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Each carrier sets which discounts it offers and how large they are. “Up to” shows the maximum, not a promise.
Homeowners policy coverages, A through F
- Dwelling (Coverage A): This is the limit that pays to rebuild the structure of your home after a covered loss, and it should match local rebuilding costs today.
- Other structures (B): Sheds, fences, detached garages, and the like that stand apart from the house are protected by this part.
- Personal property (C): This covers furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Coverage D, loss of use: If a covered claim forces you out during repairs, it can cover added costs like a rental or hotel.
- Personal liability (Coverage E): This coverage responds when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
- Medical payments (F): This coverage can help with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Hazelwood, MO home & auto bundle savings
The figures below show average bundling savings, not a quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Hazelwood, Missouri | $160 | $240 | $340 |
Neighborhoods around Hazelwood
- Whitecliffe Park
- Lynn Haven
- Candle Light Meadows
- Aubuchon Park
- Mary Jo
- Elm Tree
- Coach Light Village
- Fox Crest
- Holiday Meadows
- Saint Gerard Park North
- Queen Anne
- Hazel Woods
- Shamrock Meadows
- Le Bienville
- Teson Trails
- Saxony
- Windham Farm
- Tahoe
- White Birch Estates
- Hazel Valley
Hazelwood housing stock and storm history
Occupied homes in Hazelwood are heated mostly with utility gas (67%), electricity (30%), and propane or other bottled gas (3.0%). Wood stoves and propane tanks are worth mentioning on an application, since some carriers price or inspect them.
In FEMA’s National Risk Index, St. Louis County rates above the low end for hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”).
Half of Hazelwood’s homes were built in or before 1970. About 66% of homes were built before 1980, which means electrical, plumbing, and roof upgrades can change eligibility and price.
Tornadoes are part of the picture too: NOAA lists 6 tornadoes touching down within 10 miles of Hazelwood between 2016 and 2025, the strongest rated EF2 in March 2025.
Named places the USGS records in and around Hazelwood include Bridgeton and Robertson. Each area can price differently because of construction era and roof condition.
From 2000 on, St. Louis County has appeared in 15 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (June 2025).
NOAA’s Storm Events Database lists 27 hail reports within about 6 miles of Hazelwood from 2016 through 2025; 24 were one inch or bigger. The biggest measured 2 inches in July 2021 near Hazelwood.
ACS 2020–2024 estimates put about 12,379 housing units in Hazelwood, and owners occupy close to 59% of the occupied homes. By structure type, 60% are detached single-family houses and 31% are in buildings with two or more units.
Hazelwood traces its official start to 1949. Census counts put Hazelwood at 26,206 residents in 2000 and 25,703 in 2010, and the Census Bureau’s July 2024 estimate is 24,951. Numbers have held fairly steady since 2000.
Going further back, SPC data show 82 hail reports within 5 miles of Hazelwood between 1955 and 2015; the biggest stones, 3 inches, fell on February 16, 2006. 8 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 24 tornadoes that began within 10 miles of Hazelwood from 1950 through 2015; the strongest was an EF4 on April 22, 2011.
Comparing homes in nearby towns? See our home insurance pages for Bridgeton (2 mi), Florissant (4 mi), and Berkeley (5 mi).
Hazelwood-area ZIP codes we insure
63042 · 63134 · 63044 · 63031 · 63074 · 63140
Browse Missouri coverage guides
Compare home insurance quotes in Hazelwood, MO
Hazelwood homeowners get quotes from 25+ carriers with Freedom Insurance Group. Phone (800) 253-1482 or begin a free home quote online.
