Home Insurance in Andalusia, Illinois
The median home value in Andalusia is $168,000, 12% higher than the Rock Island County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Andalusia was built around 1969. About 29% of homes were built before 1960, about 17 points below Rock Island County's 46%.
The housing stock in Andalusia is 91% single-family homes and 8% apartments in buildings with 5+ units.
In Andalusia, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Andalusia are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Andalusia, 91% of homes are primarily heated with natural gas.
FEMA rates Rock Island County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Rock Island County had 788 active NFIP flood policies as of September 2026. See the full Rock Island County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $168,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Rock Island County | 788 |
| 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)