Home Insurance in Mason, Illinois
With a median home value of $82,900, Mason is 56% lower than the Effingham County median.
The typical home in Mason was built around 1973. About 38% of homes were built before 1960, about 11 points above Effingham County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mason is 63% single-family homes and 29% mobile or manufactured homes.
About 58% of owner-occupied homes in Mason have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mason has an owner-occupancy rate of 78% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
72% of homes in Mason are primarily heated with natural gas.
Effingham County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $82,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)