Home Insurance in Clinton, Illinois
Homes in Clinton carry a median value of $102,800 - 21% lower than the De Witt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clinton was built around 1954. About 61% of homes were built before 1960, about 9 points above De Witt County's 52%.
The housing stock in Clinton is 85% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Clinton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clinton has an owner-occupancy rate of 67% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
84% of homes in Clinton are primarily heated with natural gas.
What's the biggest home insurance risk near Clinton? FEMA's National Risk Index points to earthquake (Relatively Low) in De Witt County and De Witt County had 31 active NFIP flood policies as of September 2026. See the full De Witt County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $102,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in De Witt County | 31 |
| 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)