Home Insurance in Pearl, Illinois
Homes in Pearl carry a median value of $58,600 - 42% lower than the Pike County median.
The typical home in Pearl was built around 1954. About 57% of homes were built before 1960, about 8 points above Pike County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pearl is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Pearl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pearl has an owner-occupancy rate of 100% and a vacancy rate of 51%; unoccupied homes typically need a different coverage form.
In Pearl, 53% of homes 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.
Pike County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Pike County had 116 active NFIP flood policies as of September 2026. See the full Pike 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 | $58,600 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Pike County | 116 |
| 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)