Home Insurance in West Point, Illinois
Homes in West Point carry a median value of $39,300 - 65% lower than the Hancock County median.
The median home in West Point was built in 1939 or earlier. About 76% of homes were built before 1960, about 29 points above Hancock County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In West Point, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In West Point, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
West Point has an owner-occupancy rate of 90% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in West Point - 72% - are primarily heated with natural gas.
Hancock County had 60 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Hancock County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $39,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)