Home Insurance in Adams County, Illinois
The median home value in Adams County is $162,600, 38% lower than the Illinois median.
The typical home in Adams County was built around 1965. About 44% of homes were built before 1960, about 6 points above Illinois's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Adams County is 80% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Adams County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Adams County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Adams County - 59% - are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Adams County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Adams County had 112 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $162,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 112 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Camp Point
- Clayton
- Coatsburg
- Columbus
- Golden
- La Prairie
- Liberty
- Lima
- Loraine
- Mendon
- Payson
- Plainville
- Quincy
- Ursa
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)