Home Insurance in Redmon, Illinois
With a median home value of $79,300, Redmon is 18% lower than the Edgar County median.
The typical home in Redmon was built around 1940. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 66% of homes were built before 1960, about 20 points above Edgar County's 46%.
In Redmon, the housing stock is 87% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 58% of owner-occupied homes in Redmon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Redmon has an owner-occupancy rate of 78% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Redmon, 69% of homes are primarily heated with natural gas.
Edgar County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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 | $79,300 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)