Home Insurance in Perry, Illinois
The median home value in Perry is $86,900, 14% lower than the Pike County median.
The typical home in Perry was built around 1961. About 48% of homes were built before 1960, in line with Pike County (49%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Perry, the housing stock is 72% single-family homes, 1% apartments in buildings with 5+ units and 13% 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.
In Perry, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Perry has an owner-occupancy rate of 82% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
In Perry, 59% of homes are primarily heated with natural gas.
FEMA rates Pike County's overall risk as Very Low, led by strong wind (Relatively Moderate). 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.
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 | $86,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)