Home Insurance in Clay County, Illinois
The median home value in Clay County is $97,400, 63% lower than the Illinois median.
The typical home in Clay County was built around 1972. About 38% of homes were built before 1960, in line with Illinois (38%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Clay County, the housing stock is 75% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Clay County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clay County has an owner-occupancy rate of 79% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Clay County are primarily heated with natural gas.
The top hazards for Clay County, per FEMA's National Risk Index, are earthquake (Relatively Low), strong wind (Relatively Moderate) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Clay County has 10 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $97,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Flora
- Median home value: $77,300
- Median year built: 1958
- Owner-occupied share: 76%
-
Xenia
- Median home value: $90,000
- Median year built: 1958
- Owner-occupied share: 81%
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)