Home Insurance in Nauvoo, Illinois
The median home value in Nauvoo is $156,700, 38% higher than the Hancock County median.
The typical home in Nauvoo was built around 1970. About 38% of homes were built before 1960, about 8 points below Hancock County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Nauvoo, the housing stock is 76% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 35% of owner-occupied homes in Nauvoo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nauvoo has an owner-occupancy rate of 86% and a vacancy rate of 43%; unoccupied homes typically need a different coverage form.
In Nauvoo, 69% 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.
Hancock County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Hancock County had 60 active NFIP flood policies as of September 2026. See the full Hancock County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $156,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Hancock County | 60 |
| 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)