Home Insurance in Simpson, Illinois
Homes in Simpson carry a median value of $84,000 - 48% lower than the Johnson County median.
The typical home in Simpson was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 25 points above Johnson County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Simpson is 74% single-family homes and 22% mobile or manufactured homes.
21% of owner-occupied homes in Simpson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Simpson has an owner-occupancy rate of 93% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Simpson - 60% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Johnson County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Johnson County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $84,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Johnson County | 8 |
| 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)