Home Insurance in St. Jacob, Illinois
With a median home value of $201,000, St. Jacob is 16% higher than the Madison County median.
The typical home in St. Jacob was built around 1995. About 17% of homes were built before 1960, about 19 points below Madison County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In St. Jacob, the housing stock is 95% single-family homes and 1% apartments in buildings with 5+ units.
About 85% of owner-occupied homes in St. Jacob have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in St. Jacob are owner-occupied.
79% of homes in St. Jacob are primarily heated with natural gas.
Madison County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $201,000 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 85% |
| 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)