Home Insurance in North City, Illinois
With a median home value of $114,100, North City is 28% higher than the Franklin County median.
The typical home in North City was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 7 points below Franklin County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in North City is 85% single-family homes and 15% mobile or manufactured homes.
About 28% of owner-occupied homes in North City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in North City are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in North City - 51% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Franklin County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Franklin 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 | $114,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Franklin County | 53 |
| 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)