Home Insurance in Rose Hill, Illinois
The typical home in Rose Hill was built around 1972. About 44% of homes were built before 1960, about 11 points above Jasper County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rose Hill is 78% single-family homes and 22% mobile or manufactured homes.
40% of owner-occupied homes in Rose Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Rose Hill are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Rose Hill are primarily heated with propane.
Jasper County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Jasper County had 4 active NFIP flood policies as of September 2026. See the full Jasper County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 year built | 1972 |
|---|---|
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Jasper County | 4 |
| 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)