Home Insurance in McClure, Illinois
The median home value in McClure is $56,700, 5% lower than the Alexander County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McClure was built around 1968. About 31% of homes were built before 1960, about 6 points below Alexander County's 36%.
In McClure, the housing stock is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in McClure carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McClure has an owner-occupancy rate of 78% and a vacancy rate of 39%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In McClure, 36% of homes are primarily heated with electricity.
What's the biggest home insurance risk near McClure? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Alexander County and 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.
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 | $56,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)