Home Insurance in Vergennes, Illinois
The median home value in Vergennes is $97,500, 29% lower than the Jackson County median.
The typical home in Vergennes was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 2 points above Jackson County's 24%.
In Vergennes, the housing stock is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Vergennes, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Vergennes are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Vergennes, 58% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Vergennes? 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.
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 | $97,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)