Home Insurance in Patoka, Illinois
Homes in Patoka carry a median value of $89,200 - 13% lower than the Marion County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Patoka was built around 1968. About 45% of homes were built before 1960, about 12 points above Marion County's 33%.
The housing stock in Patoka is 79% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Patoka carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Patoka are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in Patoka are primarily heated with natural gas.
FEMA rates Marion County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.
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 | $89,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)