Home Insurance in Girard, Illinois
The median home value in Girard is $98,100, 29% lower than the Macoupin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Girard was built around 1956. About 54% of homes were built before 1960, about 9 points above Macoupin County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Girard is 76% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Girard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Girard has an owner-occupancy rate of 55% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
63% of homes in Girard are primarily heated with natural gas.
What's the biggest home insurance risk near Girard? 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.
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 | $98,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)