Home Insurance in Effingham, Illinois
The median home value in Effingham is $177,500, 6% lower than the Effingham County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Effingham was built around 1974. About 32% of homes were built before 1960, about 5 points above Effingham County's 28%.
In Effingham, the housing stock is 71% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Effingham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Effingham has an owner-occupancy rate of 66% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Effingham - 51% - are primarily heated with natural gas.
FEMA rates Effingham County's overall risk as Relatively Low, led by earthquake (Relatively Low). Effingham County had 14 active NFIP flood policies as of September 2026. See the full Effingham County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $177,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Effingham County | 14 |
| 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)