Home Insurance in Mound Station, Illinois
Homes in Mound Station carry a median value of $120,500 - 20% lower than the Brown County median.
The typical home in Mound Station was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 68% of homes were built before 1960, about 18 points above Brown County's 50%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mound Station is 89% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
65% of owner-occupied homes in Mound Station carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Mound Station are owner-occupied.
Most homes in Mound Station - 66% - 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.
Brown County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Brown County had 4 active NFIP flood policies as of September 2026. See the full Brown 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 | $120,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Brown County | 4 |
| 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)