Home Insurance in Hooppole, Illinois
Homes in Hooppole carry a median value of $75,000 - 51% lower than the Henry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Hooppole was built in 1939 or earlier. About 94% of homes were built before 1960, about 44 points above Henry County's 49%.
Housing in Hooppole breaks down to 100% single-family homes.
About 76% of owner-occupied homes in Hooppole have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hooppole has an owner-occupancy rate of 93% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Hooppole - 76% - are primarily heated with natural gas.
Henry County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Henry County had 133 active NFIP flood policies as of September 2026. See the full Henry County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $75,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Henry County | 133 |
| 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)