Home Insurance in Roodhouse, Illinois
With a median home value of $68,600, Roodhouse is 28% lower than the Greene County median.
The typical home in Roodhouse was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 8 points above Greene County's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Roodhouse is 82% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
34% of owner-occupied homes in Roodhouse carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Roodhouse are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Roodhouse, 84% of homes are primarily heated with natural gas.
FEMA rates Greene County's overall risk as Very Low, led by earthquake (Very Low). Greene County had 15 active NFIP flood policies as of September 2026. See the full Greene 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 | $68,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Greene County | 15 |
| 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)