Home Insurance in De Soto, Illinois
Homes in De Soto carry a median value of $94,700 - 31% lower than the Jackson County median.
The typical home in De Soto was built around 1979. About 23% of homes were built before 1960, about 2 points below Jackson County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in De Soto is 64% single-family homes, 2% apartments in buildings with 5+ units and 14% 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.
About 51% of owner-occupied homes in De Soto have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in De Soto are owner-occupied.
In De Soto, 76% of homes are primarily heated with electricity.
Jackson County had 119 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 | $94,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)