Home Insurance in Monroe County, Illinois
Homes in Monroe County carry a median value of $282,100 - 7% higher than the Illinois median.
The typical home in Monroe County was built around 1990. About 21% of homes were built before 1960, about 17 points below Illinois's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Monroe County, the housing stock is 87% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 59% of owner-occupied homes in Monroe County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Monroe County has an owner-occupancy rate of 85% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Monroe County, 46% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Monroe County, per FEMA's National Risk Index, are earthquake (Relatively Low), strong wind (Relatively Moderate) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Monroe County has 177 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $282,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 177 |
| 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)