Home Insurance in Tamaroa, Illinois
With a median home value of $80,200, Tamaroa is 29% lower than the Perry County median.
The typical home in Tamaroa was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 20 points above Perry County's 35%.
In Tamaroa, the housing stock is 58% single-family homes and 24% 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.
25% of owner-occupied homes in Tamaroa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Tamaroa are owner-occupied.
60% of homes in Tamaroa 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.
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 | $80,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)