Home Insurance in Thebes, Illinois
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Thebes was built around 1969. About 36% of homes were built before 1960, in line with Alexander County (36%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Thebes is 81% single-family homes and 19% mobile or manufactured homes.
About 22% of owner-occupied homes in Thebes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Thebes are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Thebes, 43% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 year built | 1969 |
|---|---|
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)