Home Insurance in Maeystown, Illinois
The median home value in Maeystown is $159,700, 43% lower than the Monroe County median.
The typical home in Maeystown was built around 1993. About 31% of homes were built before 1960, about 10 points above Monroe County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Maeystown is 96% single-family homes 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 92% of owner-occupied homes in Maeystown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Maeystown are owner-occupied. The vacancy rate is 58%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in Maeystown are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Maeystown? FEMA's National Risk Index points to earthquake (Relatively Low) in Monroe County and Monroe County had 177 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $159,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 92% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Monroe County | 177 |
| 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)