Home Insurance in Mount Vernon, Illinois
The median home value in Mount Vernon is $99,800, 21% lower than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mount Vernon was built around 1968. About 41% of homes were built before 1960, about 13 points above Jefferson County's 28%.
In Mount Vernon, the housing stock is 70% single-family homes, 17% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mount Vernon, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mount Vernon has an owner-occupancy rate of 53% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
51% of homes in Mount Vernon are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Jefferson County had 23 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $99,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 23 |
| 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)