Home Insurance in Carbon Cliff, Illinois
With a median home value of $134,600, Carbon Cliff is 11% lower than the Rock Island County median.
The typical home in Carbon Cliff was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 20 points below Rock Island County's 46%.
Housing in Carbon Cliff breaks down to 66% single-family homes and 28% apartments in buildings with 5+ units.
In Carbon Cliff, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Carbon Cliff has an owner-occupancy rate of 53% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Carbon Cliff, 77% of homes are primarily heated with natural gas.
Rock Island County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $134,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)