Home Insurance in East Moline, Illinois
The median home value in East Moline is $134,600, 11% lower than the Rock Island County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in East Moline was built around 1968. About 36% of homes were built before 1960, about 10 points below Rock Island County's 46%.
The housing stock in East Moline is 67% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
57% of owner-occupied homes in East Moline carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in East Moline are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in East Moline - 75% - 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $134,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)