Home Insurance in Edwards County, Illinois
With a median home value of $100,000, Edwards County is 62% lower than the Illinois median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Edwards County was built around 1970. About 42% of homes were built before 1960, about 4 points above Illinois's 38%.
The housing stock in Edwards County is 76% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Edwards County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Edwards County has an owner-occupancy rate of 79% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Edwards County - 52% - are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively Low), strong wind (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Edwards County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Edwards County has no active NFIP flood policies on file.
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 | $100,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Low), Winter Weather (Relatively Low) |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)