Home Insurance in West Peoria, Illinois
With a median home value of $93,900, West Peoria is 41% 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 West Peoria was built around 1946. About 77% of homes were built before 1960, about 36 points above Peoria County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in West Peoria is 92% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
60% of owner-occupied homes in West Peoria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in West Peoria are owner-occupied.
In West Peoria, 83% of homes are primarily heated with natural gas.
Peoria County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
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 | $93,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)