Home Insurance in Macomb, Illinois
Homes in Macomb carry a median value of $103,300 - close to the McDonough County median.
The typical home in Macomb was built around 1967. About 39% of homes were built before 1960, about 4 points below McDonough County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Macomb is 57% single-family homes, 29% 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.
About 50% of owner-occupied homes in Macomb have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Macomb has an owner-occupancy rate of 49% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
53% of homes in Macomb are primarily heated with natural gas.
What's the biggest home insurance risk near Macomb? FEMA's National Risk Index points to hail (Relatively Moderate) in McDonough County and McDonough County had 8 active NFIP flood policies as of September 2026. See the full McDonough County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $103,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in McDonough County | 8 |
| 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)