Home Insurance in Hamilton County, Illinois
With a median home value of $113,700, Hamilton County is 57% lower than the Illinois median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hamilton County was built around 1970. About 44% of homes were built before 1960, about 6 points above Illinois's 38%.
In Hamilton County, the housing stock is 77% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hamilton County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hamilton County has an owner-occupancy rate of 76% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
42% of homes in Hamilton County 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.
FEMA's National Risk Index lists earthquake (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Low) as the leading hazards for Hamilton County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hamilton County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $113,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
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)