Home Insurance in Macoupin County, Illinois
With a median home value of $138,200, Macoupin County is 48% lower than the Illinois median.
The typical home in Macoupin County was built around 1966. About 45% of homes were built before 1960, about 7 points above Illinois's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Macoupin County, the housing stock is 83% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Macoupin County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Macoupin County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Macoupin County - 51% - 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.
Per FEMA's National Risk Index, Macoupin County's top hazards are earthquake (Relatively Moderate), strong wind (Relatively High) and hail (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Macoupin County has 12 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $138,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Benld
- Brighton
- Bunker Hill
- Carlinville
- Dorchester
- Eagarville
- East Gillespie
- Gillespie
- Girard
- Hettick
- Lake Ka-Ho
- Medora
- Mount Clare
- Mount Olive
- Nilwood
- Palmyra
- Royal Lakes
- Sawyerville
- Scottville
- Shipman
- Standard City
- Staunton
- Virden
- Wilsonville
Smaller communities
-
Chesterfield
- Median home value: $86,000
- Median year built: 1939 or earlier
- Owner-occupied share: 97%
-
Modesto
- Median home value: $81,400
- Median year built: 1966
- Owner-occupied share: 93%
-
White City
- Median home value: $116,300
- Median year built: 1977
- Owner-occupied share: 96%
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)