Home Insurance in Reddick, Illinois
Homes in Reddick carry a median value of $154,500 - 20% lower than the Kankakee County median.
The typical home in Reddick was built around 1942. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 72% of homes were built before 1960, about 39 points above Kankakee County's 32%.
The housing stock in Reddick is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Reddick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Reddick has an owner-occupancy rate of 91% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Reddick - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Reddick? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Kankakee County and Kankakee County had 304 active NFIP flood policies as of September 2026. See the full Kankakee County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $154,500 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Kankakee County | 304 |
| 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)