Home Insurance in Du Quoin, Illinois
With a median home value of $83,100, Du Quoin is 26% lower than the Perry County median.
The typical home in Du Quoin was built around 1964. About 45% of homes were built before 1960, about 10 points above Perry County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Du Quoin is 74% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Du Quoin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Du Quoin has an owner-occupancy rate of 66% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
55% of homes in Du Quoin are primarily heated with natural gas.
Perry County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Perry County had 11 active NFIP flood policies as of September 2026. See the full Perry County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $83,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Perry County | 11 |
| 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)