Home Insurance in Massac County, Illinois
With a median home value of $121,900, Massac County is 54% lower than the Illinois median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Massac County was built around 1975. About 30% of homes were built before 1960, about 8 points below Illinois's 38%.
In Massac County, the housing stock is 77% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Massac County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Massac County has an owner-occupancy rate of 76% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Massac County, 44% of homes are primarily heated with natural gas.
The top hazards for Massac County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Massac County has 150 active NFIP flood policies on file.
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 | $121,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 150 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
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)