Home Insurance in Jo Daviess County, Illinois
With a median home value of $209,900, Jo Daviess County is 20% lower than the Illinois median.
The typical home in Jo Daviess County was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 2 points below Illinois's 38%.
The housing stock in Jo Daviess County is 87% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Jo Daviess County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Jo Daviess County are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jo Daviess County - 52% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Jo Daviess County.
As of September 2026, Jo Daviess County has 52 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 home value | $209,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 52 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)