Home Insurance in Claremont, Illinois
The median home value in Claremont is $50,000, 55% lower than the Richland County median.
The typical home in Claremont was built around 1976. About 26% of homes were built before 1960, about 6 points below Richland County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Claremont is 58% single-family homes and 42% mobile or manufactured homes.
In Claremont, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Claremont has an owner-occupancy rate of 76% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Claremont - 91% - are primarily heated with natural gas.
FEMA rates Richland County's overall risk as Relatively Low, led by earthquake (Relatively Low). Richland County had 6 active NFIP flood policies as of September 2026. See the full Richland County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $50,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Richland County | 6 |
| 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)