Home Insurance in Staunton, Illinois
Homes in Staunton carry a median value of $143,500 - close to 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 Staunton was built around 1955. About 53% of homes were built before 1960, about 8 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 Staunton is 74% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
49% of owner-occupied homes in Staunton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Staunton are owner-occupied.
In Staunton, 71% 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 | $143,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)