Home Insurance in Rochester, Illinois
The median home value in Rochester is $238,900, 36% higher than the Sangamon County median.
The typical home in Rochester was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 15 points below Sangamon County's 32%.
Housing in Rochester breaks down to 98% single-family homes and 2% apartments in buildings with 5+ units.
About 67% of owner-occupied homes in Rochester have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Rochester are owner-occupied.
79% of homes in Rochester are primarily heated with natural gas.
What's the biggest home insurance risk near Rochester? FEMA's National Risk Index points to tornado (Relatively High) in Sangamon County and Sangamon County had 185 active NFIP flood policies as of September 2026. See the full Sangamon 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 | $238,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Sangamon County | 185 |
| 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)