Home Insurance in St. Augustine, Illinois
The median home value in St. Augustine is $49,000, 56% lower than the Knox County median.
The typical home in St. Augustine was built around 1965. About 49% of homes were built before 1960, about 4 points below Knox County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in St. Augustine is 80% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Augustine, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in St. Augustine are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in St. Augustine are primarily heated with natural gas.
Knox County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Knox County had 35 active NFIP flood policies as of September 2026. See the full Knox County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $49,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Knox County | 35 |
| 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)