Home Insurance in Bridgeport, Illinois
With a median home value of $72,100, Bridgeport is 27% lower than the Lawrence County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bridgeport was built around 1961. About 48% of homes were built before 1960, about 1 point above Lawrence County's 46%.
The housing stock in Bridgeport is 80% single-family homes, 4% 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.
46% of owner-occupied homes in Bridgeport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Bridgeport are owner-occupied.
Most homes in Bridgeport - 80% - are primarily heated with natural gas.
Lawrence County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $72,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Lawrence County | 12 |
| 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)