Home Insurance in Boone County, Illinois
With a median home value of $216,900, Boone County is 18% lower than the Illinois median.
The typical home in Boone County was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 12 points below Illinois's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Boone County is 84% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Boone County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Boone County are owner-occupied.
Most homes in Boone County - 78% - 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.
Per FEMA's National Risk Index, Boone County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Low).
As of September 2026, Boone County has 63 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $216,900 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 63 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Caledonia
- Median home value: $163,200
- Median year built: 1939 or earlier
- Owner-occupied share: 68%
-
Capron
- Median home value: $160,100
- Median year built: 1988
- Owner-occupied share: 78%
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)