Home Insurance in Keithsburg, Illinois
Homes in Keithsburg carry a median value of $65,900 - 55% lower than the Mercer County median.
The typical home in Keithsburg was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 8 points below Mercer County's 48%.
The housing stock in Keithsburg is 65% single-family homes, 7% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Keithsburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Keithsburg has an owner-occupancy rate of 81% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Keithsburg, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Keithsburg? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Mercer County and Mercer County had 18 active NFIP flood policies as of September 2026. See the full Mercer County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $65,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mercer County | 18 |
| 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)