Home Insurance in St. Joseph, Illinois
Homes in St. Joseph carry a median value of $270,900 - 28% higher than the Champaign County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in St. Joseph was built around 1996. About 13% of homes were built before 1960, about 10 points below Champaign County's 24%.
Housing in St. Joseph breaks down to 93% single-family homes and 2% apartments in buildings with 5+ units.
In St. Joseph, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in St. Joseph are owner-occupied.
Most homes in St. Joseph - 63% - are primarily heated with natural gas.
Champaign County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Champaign County had 217 active NFIP flood policies as of September 2026. See the full Champaign County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $270,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Champaign County | 217 |
| 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)