Home Insurance in Mount Clare, Illinois
The median home value in Mount Clare is $102,500, 26% lower than the Macoupin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mount Clare was built around 1953. About 55% of homes were built before 1960, about 10 points above Macoupin County's 45%.
The housing stock in Mount Clare is 87% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
51% of owner-occupied homes in Mount Clare carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mount Clare has an owner-occupancy rate of 80% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Mount Clare, 77% of homes are primarily heated with natural gas.
Macoupin County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $102,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)