A mother has escaped a fatal house fire that claimed the life of her daughter on the New South Wales Mid North Coast.

Emergency services were called to a two-storey home at Dillon Close in Bellingen, west of Coffs Harbour, shortly after 5am on Tuesday.

A NSW Police spokesperson said the house was occupied by a mother and her daughter, who lived with disability.

While a 78-year-old woman was able to escape the blaze, her adult daughter could not be located.

Coffs Clarence Police Inspector Peter O'Reilly said the body of a woman was found inside the building after the fire was extinguished.

"That person has not been identified, [but] it's believed to be the second resident," he said.

Inspector O'Reily said police had contacted the deceased woman's family, including her siblings, who ha

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