Home Insurance in Mound City, Illinois
With a median home value of $55,600, Mound City is 35% lower than the Pulaski County median.
The typical home in Mound City was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 4 points above Pulaski County's 35%.
In Mound City, the housing stock is 56% single-family homes and 9% 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.
About 32% of owner-occupied homes in Mound City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in Mound City are owner-occupied.
In Mound City, 53% of homes are primarily heated with electricity.
Pulaski County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Pulaski County had 24 active NFIP flood policies as of September 2026. See the full Pulaski County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $55,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Pulaski County | 24 |
| 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)