Home Insurance in Franklin County, Illinois
Homes in Franklin County carry a median value of $89,000 - 66% lower than the Illinois median.
The typical home in Franklin County was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 9 points above Illinois's 38%.
The housing stock in Franklin County is 81% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Franklin County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Franklin County has an owner-occupancy rate of 74% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Franklin County, 49% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Franklin County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), strong wind (Relatively High) and winter weather (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Franklin County has 53 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $89,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 53 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Benton
- Buckner
- Christopher
- Ewing
- Hanaford
- North City
- Orient
- Royalton
- Sesser
- Thompsonville
- Valier
- West City
- West Frankfort
- Zeigler
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)