Home Insurance in Alexander County, Illinois
The median home value in Alexander County is $59,800, 77% lower than the Illinois median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Alexander County was built around 1969. About 36% of homes were built before 1960, about 2 points below Illinois's 38%.
In Alexander County, the housing stock is 77% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Alexander County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Alexander 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. In Alexander County, 43% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Alexander County's top hazards are earthquake (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Alexander County has 121 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $59,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 121 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)