Home Insurance in East Alton, Illinois
The median home value in East Alton is $106,700, 38% lower than the Madison County median.
The typical home in East Alton was built around 1956. About 61% of homes were built before 1960, about 25 points above Madison County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in East Alton is 85% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In East Alton, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in East Alton are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In East Alton, 66% of homes are primarily heated with natural gas.
FEMA rates Madison County's overall risk as Relatively Moderate, led by tornado (Relatively High). Madison County had 934 active NFIP flood policies as of September 2026. See the full Madison County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $106,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Madison County | 934 |
| 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)