Home Insurance in Reynolds, Illinois
With a median home value of $151,200, Reynolds is close to the Rock Island County median.
The typical home in Reynolds was built around 1960. About 50% of homes were built before 1960, about 3 points above Rock Island County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Reynolds breaks down to 97% single-family homes.
67% of owner-occupied homes in Reynolds carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Reynolds are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Reynolds, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Reynolds? FEMA's National Risk Index points to strong wind (Relatively High) in Rock Island County and 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 | $151,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 86% |
| 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)