Home Insurance in Makanda, Illinois
Homes in Makanda carry a median value of $242,600 - 77% higher than the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Makanda was built around 1991. About 21% of homes were built before 1960, about 3 points below 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 Makanda is 86% single-family homes and 11% mobile or manufactured homes.
About 45% of owner-occupied homes in Makanda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Makanda has an owner-occupancy rate of 82% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Makanda - 62% - are primarily heated with electricity.
FEMA rates Jackson County's overall risk as Relatively Moderate, led by strong wind (Very High). 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 | $242,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)