Home Insurance in Germantown, Illinois
With a median home value of $192,500, Germantown is close to the Clinton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Germantown was built around 1972. About 38% of homes were built before 1960, about 10 points above Clinton County's 27%.
In Germantown, the housing stock is 84% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Germantown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Germantown has an owner-occupancy rate of 84% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
78% of homes in Germantown are primarily heated with natural gas.
FEMA rates Clinton County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Clinton County had 42 active NFIP flood policies as of September 2026. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $192,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)