Home Insurance in Tamms, Illinois
The median home value in Tamms is $55,700, 7% lower than the Alexander County median.
The typical home in Tamms was built around 1979. About 8% of homes were built before 1960, about 28 points below Alexander County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tamms is 70% single-family homes, 5% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
About 39% of owner-occupied homes in Tamms have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Tamms are owner-occupied.
Most homes in Tamms - 57% - are primarily heated with electricity.
FEMA rates Alexander County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $55,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)