Home Insurance in Oak Grove, Illinois
With a median home value of $14,200, Oak Grove is 91% lower than the Rock Island County median.
The typical home in Oak Grove was built around 1974. About 23% of homes were built before 1960, about 23 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.
The housing stock in Oak Grove is 19% single-family homes, 2% apartments in buildings with 5+ units and 78% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Oak Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oak Grove has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Oak Grove, 87% of homes 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 | $14,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)