Home Insurance in Calhoun County, Illinois
With a median home value of $190,900, Calhoun County is 27% lower than the Illinois median.
The typical home in Calhoun County was built around 1968. About 42% of homes were built before 1960, about 4 points above Illinois's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Calhoun County is 84% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Calhoun County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Calhoun County are owner-occupied. The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Calhoun County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Calhoun County's top hazards are earthquake (Very Low), tornado (Very Low) and inland flooding (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Calhoun County has 90 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $190,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Tornado (Very Low), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 90 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Batchtown
- Median home value: $126,800
- Median year built: 1967
- Owner-occupied share: 95%
-
Kampsville
- Median home value: $86,300
- Median year built: 1959
- Owner-occupied share: 69%
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)