Home Insurance in Brighton, Illinois
The median home value in Brighton is $145,000, close to the Macoupin County median.
The typical home in Brighton was built around 1974. About 27% of homes were built before 1960, about 17 points below Macoupin County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Brighton, the housing stock is 91% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
65% of owner-occupied homes in Brighton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Brighton are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Brighton, 72% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Brighton? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Macoupin County and Macoupin County had 12 active NFIP flood policies as of September 2026. See the full Macoupin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $145,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Macoupin 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)