Home Insurance in Brookport, Illinois
With a median home value of $58,300, Brookport is 52% lower than the Massac County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brookport was built around 1967. About 33% of homes were built before 1960, about 3 points above Massac County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brookport is 62% single-family homes and 33% mobile or manufactured homes.
About 28% of owner-occupied homes in Brookport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Brookport are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Brookport are primarily heated with electricity.
What's the biggest home insurance risk near Brookport? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Massac County and Massac County had 150 active NFIP flood policies as of September 2026. See the full Massac 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 | $58,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Massac County | 150 |
| 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)