Home Insurance in Campbell Hill, Illinois
With a median home value of $96,800, Campbell Hill is 29% lower than the Jackson County median.
The typical home in Campbell Hill was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 12 points above Jackson County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Campbell Hill is 86% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 62% of owner-occupied homes in Campbell Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Campbell Hill has an owner-occupancy rate of 92% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Campbell Hill - 54% - are primarily heated with natural gas.
What's the biggest home insurance risk near Campbell Hill? FEMA's National Risk Index points to strong wind (Very High) in Jackson County and Jackson County had 119 active NFIP flood policies as of September 2026. See the full Jackson 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 | $96,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Jackson County | 119 |
| 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)