Home Insurance in Coal Valley, Illinois
Homes in Coal Valley carry a median value of $215,700 - 43% higher than the Rock Island County median.
The typical home in Coal Valley was built around 1981. About 28% of homes were built before 1960, about 18 points below Rock Island County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Coal Valley, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Coal Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Coal Valley has an owner-occupancy rate of 93% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Coal Valley - 92% - are primarily heated with natural gas.
Rock Island County had 788 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Rock Island County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $215,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)