Home Insurance in Camp Point, Illinois
The median home value in Camp Point is $127,800, 21% lower than the Adams County median.
The typical home in Camp Point was built around 1958. About 52% of homes were built before 1960, about 8 points above Adams County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Camp Point, the housing stock is 81% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in Camp Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Camp Point are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Camp Point - 65% - are primarily heated with natural gas.
FEMA rates Adams County's overall risk as Relatively Low, led by strong wind (Relatively High). Adams County had 112 active NFIP flood policies as of September 2026. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $127,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Adams County | 112 |
| Home insurance premium | $1,480 - 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)