Home Insurance in Nokomis, Illinois
With a median home value of $83,900, Nokomis is 25% lower than the Montgomery County median.
The typical home in Nokomis was built around 1950. About 64% of homes were built before 1960, about 18 points above Montgomery County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Nokomis is 90% single-family homes, 1% 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 44% of owner-occupied homes in Nokomis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nokomis has an owner-occupancy rate of 75% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Nokomis, 75% of homes are primarily heated with natural gas.
FEMA rates Montgomery County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Montgomery County had 3 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $83,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 3 |
| 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)