Home Insurance in Kingston Mines, Illinois
Homes in Kingston Mines carry a median value of $75,000 - 53% lower than the Peoria County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kingston Mines was built around 1951. About 69% of homes were built before 1960, about 27 points above Peoria County's 42%.
Housing in Kingston Mines breaks down to 93% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
40% of owner-occupied homes in Kingston Mines carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Kingston Mines are owner-occupied.
Most homes in Kingston Mines - 73% - 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.
What's the biggest home insurance risk near Kingston Mines? FEMA's National Risk Index points to tornado (Relatively High) in Peoria County and Peoria County had 363 active NFIP flood policies as of September 2026. See the full Peoria County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $75,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Peoria County | 363 |
| 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)