Home Insurance in Glen Carbon, Illinois
Homes in Glen Carbon carry a median value of $282,000 - 63% higher than the Madison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Glen Carbon was built around 1990. About 10% of homes were built before 1960, about 27 points below Madison County's 36%.
The housing stock in Glen Carbon is 76% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Glen Carbon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Glen Carbon has an owner-occupancy rate of 69% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Glen Carbon - 57% - 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 | $282,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)