Home Insurance in San Jose, Illinois
The median home value in San Jose is $76,800, 26% lower than the Mason County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in San Jose was built around 1942. About 66% of homes were built before 1960, about 16 points above Mason County's 51%.
Housing in San Jose breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In San Jose, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in San Jose are owner-occupied.
Most homes in San Jose - 81% - are primarily heated with natural gas.
What's the biggest home insurance risk near San Jose? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Mason County and 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 | $76,800 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)