Home Insurance in Rock Island County, Illinois
The median home value in Rock Island County is $150,400, 43% lower than the Illinois median.
The typical home in Rock Island County was built around 1962. About 46% of homes were built before 1960, about 8 points above Illinois's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Rock Island County breaks down to 74% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Rock Island County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Rock Island County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Rock Island County are primarily heated with natural gas.
Per FEMA's National Risk Index, Rock Island County's top hazards are strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively High).
As of September 2026, Rock Island County has 788 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $150,400 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 788 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Andalusia
- Carbon Cliff
- Coal Valley
- Cordova
- East Moline
- Hampton
- Hillsdale
- Milan
- Moline
- Oak Grove
- Port Byron
- Rapids City
- Reynolds
- Rock Island
- Silvis
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)