Home Insurance in Lawrence County, Illinois
The median home value in Lawrence County is $99,100, 62% lower than the Illinois median.
The typical home in Lawrence County was built around 1963. About 46% of homes were built before 1960, about 9 points above Illinois's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lawrence County is 75% single-family homes, 3% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Lawrence County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Lawrence County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lawrence County - 55% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Lawrence County, per FEMA's National Risk Index, are earthquake (Relatively Low), inland flooding (Relatively Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lawrence County had 12 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $99,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Inland Flooding (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)