Home Insurance in Kempton, Illinois
With a median home value of $67,600, Kempton is 45% lower than the Ford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Kempton was built in 1939 or earlier. About 81% of homes were built before 1960, about 23 points above Ford County's 57%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kempton is 95% single-family homes and 5% mobile or manufactured homes.
In Kempton, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kempton has an owner-occupancy rate of 94% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
99% of homes in Kempton are primarily heated with natural gas.
FEMA rates Ford County's overall risk as Very Low, led by earthquake (Relatively Low). Ford County had 7 active NFIP flood policies as of September 2026. See the full Ford 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 | $67,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Ford County | 7 |
| 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)