Home Insurance in Kaskaskia, Illinois
With a median home value of $145,800, Kaskaskia is 8% higher than the Randolph County median.
The typical home in Kaskaskia was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 22 points below Randolph County's 37%.
Housing in Kaskaskia breaks down to 100% single-family homes.
About 78% of owner-occupied homes in Kaskaskia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Kaskaskia are owner-occupied.
Most homes in Kaskaskia - 56% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Randolph County had 141 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Randolph 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 | $145,800 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Randolph County | 141 |
| 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)