Home Insurance in Rosiclare, Illinois
The median home value in Rosiclare is $60,900, 41% lower than the Hardin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rosiclare was built around 1962. About 46% of homes were built before 1960, about 13 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 Rosiclare is 71% single-family homes and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
28% of owner-occupied homes in Rosiclare carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Rosiclare are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rosiclare - 77% - are primarily heated with natural gas.
FEMA rates Hardin County's overall risk as Very Low, led by earthquake (Relatively Low). 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.
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 | $60,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)