Home Insurance in Mason City, Illinois
With a median home value of $91,100, Mason City is 12% lower than the Mason County median.
The typical home in Mason City was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 14 points above Mason County's 51%.
In Mason City, the housing stock is 91% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Mason City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mason City has an owner-occupancy rate of 78% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Mason City, 80% of homes are primarily heated with natural gas.
Mason County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Mason County had 45 active NFIP flood policies as of September 2026. See the full Mason 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 | $91,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mason County | 45 |
| 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)