Home Insurance in Pope County, Illinois
Homes in Pope County carry a median value of $143,800 - 45% lower than the Illinois median.
The typical home in Pope County was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 11 points below Illinois's 38%.
The housing stock in Pope County is 78% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pope County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pope County has an owner-occupancy rate of 86% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Pope County are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), strong wind (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Pope County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Pope County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $143,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Low), Winter Weather (Relatively Low) |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
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)