Home Insurance in Kell, Illinois
The median home value in Kell is $60,000, 42% lower than the Marion County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kell was built around 1982. About 32% of homes were built before 1960, about 1 point below Marion County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kell is 56% single-family homes and 43% mobile or manufactured homes.
48% of owner-occupied homes in Kell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kell has an owner-occupancy rate of 97% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
57% of homes in Kell are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Marion County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Marion County had 25 active NFIP flood policies as of September 2026. See the full Marion County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $60,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Marion County | 25 |
| 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)