Home Insurance in Marseilles, Illinois
With a median home value of $142,500, Marseilles is 12% lower than the LaSalle County median.
The typical home in Marseilles was built around 1966. About 48% of homes were built before 1960, about 1 point above LaSalle County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Marseilles, the housing stock is 70% single-family homes, 8% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Marseilles carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marseilles has an owner-occupancy rate of 68% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Marseilles, 81% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Marseilles? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in LaSalle County and LaSalle County had 270 active NFIP flood policies as of September 2026. See the full LaSalle County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $142,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in LaSalle County | 270 |
| 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)