Home Insurance in Marion County, Illinois
With a median home value of $103,000, Marion County is 61% lower than the Illinois median.
The typical home in Marion County was built around 1973. About 33% of homes were built before 1960, about 5 points below Illinois's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marion County is 72% single-family homes, 6% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
In Marion County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Marion County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 53% of homes in Marion County are primarily heated with natural gas.
Per FEMA's National Risk Index, Marion County's top hazards are earthquake (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Marion County had 25 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $103,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 25 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Junction City
- Median home value: $83,500
- Median year built: 1979
- Owner-occupied share: 73%
-
Kinmundy
- Median home value: $95,400
- Median year built: 1970
- Owner-occupied share: 81%
Sources
- 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)