Home Insurance in Carbondale, Illinois
With a median home value of $127,900, Carbondale is 7% lower than the Jackson County median.
The typical home in Carbondale was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 4 points below Jackson County's 24%.
In Carbondale, the housing stock is 36% single-family homes, 43% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Carbondale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Carbondale has an owner-occupancy rate of 26% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Carbondale - 66% - are primarily heated with electricity.
Jackson County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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.
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 | $127,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 26% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)