Home Insurance in McLeansboro, Illinois
Homes in McLeansboro carry a median value of $79,500 - 30% lower than the Hamilton County median.
The typical home in McLeansboro was built around 1956. About 59% of homes were built before 1960, about 15 points above Hamilton County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In McLeansboro, the housing stock is 68% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in McLeansboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in McLeansboro are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in McLeansboro are primarily heated with natural gas.
FEMA rates Hamilton County's overall risk as Very Low, led by earthquake (Relatively Moderate). 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.
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 | $79,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)