Home Insurance in Carroll County, Illinois
The median home value in Carroll County is $114,500, 57% lower than the Illinois median.
The typical home in Carroll County was built around 1957. About 53% of homes were built before 1960, about 15 points above Illinois's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carroll County is 87% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 47% of owner-occupied homes in Carroll County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carroll County has an owner-occupancy rate of 77% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Carroll County, 68% of homes 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.
The top hazards for Carroll County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), hail (Relatively Moderate) and tornado (Relatively Low).
As of September 2026, Carroll County has 18 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 | $114,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 18 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
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)