Home Insurance in Brocton, Illinois
With a median home value of $81,300, Brocton is 16% lower than the Edgar County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brocton was built around 1952. About 81% of homes were built before 1960, about 36 points above Edgar County's 46%.
The housing stock in Brocton is 92% single-family homes 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 41% of owner-occupied homes in Brocton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in Brocton are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Brocton, 86% of homes are primarily heated with natural gas.
FEMA rates Edgar County's overall risk as Very Low, led by earthquake (Relatively Low). Edgar County had 9 active NFIP flood policies as of September 2026. See the full Edgar 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 | $81,300 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Edgar County | 9 |
| 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)