Home Insurance in Beckemeyer, Illinois
With a median home value of $121,300, Beckemeyer is 37% lower than the Clinton County median.
The typical home in Beckemeyer was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 21 points above Clinton County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beckemeyer is 83% single-family homes and 12% mobile or manufactured homes.
About 62% of owner-occupied homes in Beckemeyer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Beckemeyer are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Beckemeyer are primarily heated with natural gas.
Clinton County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Clinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $121,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Clinton County | 42 |
| 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)