Home Insurance in Metcalf, Illinois
Homes in Metcalf carry a median value of $55,000 - 43% lower than the Edgar County median.
The median home in Metcalf was built in 1939 or earlier. About 86% of homes were built before 1960, about 40 points above Edgar County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Metcalf is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Metcalf have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Metcalf has an owner-occupancy rate of 68% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
91% of homes in Metcalf are primarily heated with natural gas.
Edgar County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $55,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)