Home Insurance in East Dubuque, Illinois
Homes in East Dubuque carry a median value of $144,000 - 31% lower than the Jo Daviess County median.
The typical home in East Dubuque was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 13 points above Jo Daviess County's 35%.
The housing stock in East Dubuque is 85% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In East Dubuque, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
East Dubuque has an owner-occupancy rate of 73% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in East Dubuque - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near East Dubuque? FEMA's National Risk Index points to hail (Relatively Moderate) in Jo Daviess County and Jo Daviess County had 52 active NFIP flood policies as of September 2026. See the full Jo Daviess County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $144,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jo Daviess County | 52 |
| 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)