Home Insurance in Cairo, Illinois
The median home value in Cairo is $32,000, 46% lower than the Alexander County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cairo was built around 1953. About 61% of homes were built before 1960, about 25 points above Alexander County's 36%.
The housing stock in Cairo is 80% single-family homes and 16% apartments in buildings with 5+ units.
In Cairo, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Cairo are owner-occupied.
Most homes in Cairo - 63% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Alexander County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Alexander County had 121 active NFIP flood policies as of September 2026. See the full Alexander County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $32,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Alexander County | 121 |
| 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)