Home Insurance in Mount Carroll, Illinois
The median home value in Mount Carroll is $86,600, 24% lower than the Carroll County median.
The typical home in Mount Carroll was built around 1946. About 60% of homes were built before 1960, about 7 points above Carroll County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Mount Carroll breaks down to 84% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
57% of owner-occupied homes in Mount Carroll carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Mount Carroll are owner-occupied.
In Mount Carroll, 86% of homes are primarily heated with natural gas.
Carroll County had 18 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $86,600 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Carroll County | 18 |
| 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)