Home Insurance in Pike County, Illinois
With a median home value of $101,400, Pike County is 61% lower than the Illinois median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pike County was built around 1961. About 49% of homes were built before 1960, about 11 points above Illinois's 38%.
In Pike County, the housing stock is 84% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Pike County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pike County has an owner-occupancy rate of 78% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
52% of homes in Pike County 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.
Per FEMA's National Risk Index, Pike County's top hazards are strong wind (Relatively Moderate), hail (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pike County has 116 active NFIP flood policies on file.
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 | $101,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 116 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Barry
- Baylis
- Detroit
- El Dara
- Florence
- Griggsville
- Hull
- Kinderhook
- Milton
- Nebo
- New Canton
- New Salem
- Pearl
- Perry
- Pittsfield
- Pleasant Hill
- Valley City
Sources
- 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)