Home Insurance in Prairie du Rocher, Illinois
The median home value in Prairie du Rocher is $88,800, 34% lower than the Randolph County median.
The typical home in Prairie du Rocher was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 12 points above Randolph County's 37%.
The housing stock in Prairie du Rocher is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Prairie du Rocher carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Prairie du Rocher has an owner-occupancy rate of 79% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Prairie du Rocher - 71% - are primarily heated with natural gas.
FEMA rates Randolph County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Randolph County had 141 active NFIP flood policies as of September 2026. 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 | $88,800 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)