Home Insurance in Stockton, Illinois
Homes in Stockton carry a median value of $93,700 - 55% lower than the Jo Daviess County median.
The typical home in Stockton was built around 1953. About 60% of homes were built before 1960, about 24 points above Jo Daviess County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Stockton, the housing stock is 83% single-family homes, 7% 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.
62% of owner-occupied homes in Stockton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Stockton are owner-occupied.
In Stockton, 83% of homes are primarily heated with natural gas.
Jo Daviess County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $93,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)