Home Insurance in St. Rose, Illinois
With a median home value of $206,000, St. Rose is 7% higher than the Clinton County median.
The typical home in St. Rose was built around 1984. About 15% of homes were built before 1960, about 12 points below Clinton County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in St. Rose breaks down to 92% single-family homes and 1% mobile or manufactured homes.
In St. Rose, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in St. Rose are owner-occupied.
Most homes in St. Rose - 64% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Clinton County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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 | $206,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)