Home Insurance in Cave-In-Rock, Illinois
Homes in Cave-In-Rock carry a median value of $40,000 - 61% lower than the Hardin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cave-In-Rock was built around 1962. About 47% of homes were built before 1960, about 14 points above Hardin County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cave-In-Rock is 71% single-family homes and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Cave-In-Rock, about 14% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cave-In-Rock has an owner-occupancy rate of 56% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
92% of homes in Cave-In-Rock are primarily heated with natural gas.
What's the biggest home insurance risk near Cave-In-Rock? FEMA's National Risk Index points to earthquake (Relatively Low) in Hardin County and Hardin County had 7 active NFIP flood policies as of September 2026. See the full Hardin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $40,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Hardin County | 7 |
| 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)