Home Insurance in Dahlgren, Illinois
With a median home value of $80,800, Dahlgren is 29% lower than the Hamilton County median.
The typical home in Dahlgren was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 6 points above Hamilton County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dahlgren is 73% single-family homes and 22% mobile or manufactured homes.
About 46% of owner-occupied homes in Dahlgren have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Dahlgren are owner-occupied.
In Dahlgren, 76% of homes 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.
Hamilton County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Hamilton County has no active NFIP flood policies on file. See the full Hamilton 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 | $80,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Moderate) |
| 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)