Shopping home coverage for a Dellwood household should not take all week; Freedom Insurance Group does the comparing. Request a quote online or phone (800) 253-1482.
Homeowners insurance rates in Dellwood, MO
| Scenario | Market estimate | Freedom Insurance Group example (39% less) |
|---|---|---|
| Typical Dellwood home (~$230,000) | $1,872/yr | $1,142/yr |
| $300,000 dwelling | $2,201/yr | $1,343/yr |
| $600,000 dwelling | $3,097/yr | $1,889/yr |
| $1,000,000 dwelling | $4,030/yr | $2,458/yr |
The typical homeowners insurance premium in Dellwood, MO is about $1,872 annually for a typical local home (typical local home value about $230,000). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 39% lower — near $1,142 per year for a typical home, roughly $1,343 for a $300,000 home, about $1,889 for a $600,000 home, and around $2,458 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Tornado & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Dellwood dwelling curve (typical local home value about $230,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Dellwood, MO, using a typical local home value of about $230,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance price factors in Dellwood
Several factors go into a Dellwood home premium, and carriers look at all of them before quoting. Deductible choice and past claims can move the final premium as much as the carrier brand itself, but rebuild cost, roof age and material, and storm or wildfire exposure tend to dominate.
Think of replacement cost as the cost to rebuild the home using similar materials at today’s labor and material prices. The maximum payout tracks the rebuild estimate, which is why higher figures for Dellwood properties tend to mean bigger premiums.
Whether walls are frame or masonry, what the roof is made of, and general construction quality all influence how a house performs in Missouri’s wind, hail, and fire events, which is why construction type and roof details count.
Similar Dellwood houses with matching rebuild costs may still get different quotes thanks to location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
A strong fire protection rating built on hydrant distance, station distance, and protection class often makes pricing more competitive.
Claims history is a heavy factor: in Dellwood, a recent claim on the home or household often means higher rates on both renewals and fresh quotes.
Credit-based insurance score, where state rules allow it, is another lever; stronger scores usually correlate with lower prices when the carrier relies on it.
What makes Dellwood, MO unique
Roughly 5,011 people live in Dellwood in Missouri.
Dellwood lies within Missouri, where routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses like those across Missouri; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Missouri homeowners should prepare for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Discounts for Dellwood, 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% |
Discount availability and amounts vary by carrier. Read “up to” as the ceiling, not a guarantee.
The six parts of a home policy
- Coverage A, dwelling: Following a covered loss, this coverage covers rebuilding the house itself; set it to match today’s local rebuild costs.
- Other structures (B): A detached garage, a shed, a fence, or similar buildings not attached to the home are protected by this part.
- Personal property (Coverage C): Covers the contents of the home: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- 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): Should you be held legally responsible for bodily injury or property damage to others from a covered event, this coverage steps in.
- Medical payments (F): If a visitor is injured at your home, it helps with their medical bills, often without a formal liability claim.
Dellwood, MO home & auto bundle savings
The amounts shown illustrate average bundle savings, not a promise. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Dellwood, Missouri | $160 | $240 | $340 |
Neighborhoods in Dellwood
- Dellwood Hills
- Northland Hills
- Hudson Hills
- Emerson Park
- Dellwood Park
- Oakborough
- Hathaway Park
- Atwater Terrace
- Baden Terrace
- Village at Liberty Landing
- Grandview Meadows
Dellwood homes by the numbers
Census survey estimates (ACS 2020–2024) show about 2,155 housing units in Dellwood, and homeowners occupy about 67% of the occupied homes. Of all units, 93% are detached single-family houses and 7.1% are in buildings with two or more units.
On tornadoes, NOAA recorded 5 tornadoes starting within 10 miles of Dellwood between 2016 and 2025, the strongest rated EF2 during May 2025.
From 2000 on, St. Louis County has appeared in 15 major disaster declarations; the most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (June 2025).
The median home in Dellwood was built in 1959. About 98% of homes were built before 1980, so system and roof updates are worth documenting for a quote.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”) in St. Louis County.
Named places the USGS records in and around Dellwood include Castle Point, Ferguson, Hathaway Meadows, and Woodstock. Rates can still differ from one section to the next because of construction era and roof condition.
Occupied homes in Dellwood are heated mostly with utility gas (89%) and electricity (10%).
NOAA storm records show 12 hail reports within about 5 miles of Dellwood from 2016 through 2025 (12 at one inch or more). Top size measured 2.5 inches in May 2025.
The Census Bureau counted 5,255 people in Dellwood at the 2000 Census and 5,025 at the 2010 Census; its July 2024 estimate is 4,833. Numbers have held fairly steady since 2000.
Older NOAA hail logs add more history: the Storm Prediction Center lists 56 hail reports within 5 miles of Dellwood between 1955 and 2015, topped by hail of 2.75 inches on June 12, 1998. Reports of 2-inch or bigger hail number 7 in that span. The NOAA Storm Prediction Center database shows 27 tornadoes that began within 10 miles of Dellwood from 1950 through 2015; the strongest was an F4 on April 3, 1981. That tornado’s record lists 32 injuries.
Looking at neighboring communities? We also have home insurance pages for Ferguson (1 mi), Castle Point (2 mi), and Moline Acres (2 mi).
ZIP codes we cover in and around Dellwood
63135 · 63136 · 63140 · 63134 · 63121 · 63033
Other Missouri coverage pages
Shop homeowners coverage in Dellwood, MO
Freedom Insurance Group compares 25+ carriers for Dellwood residents. Start a free home quote online or phone (800) 253-1482.
