Home Insurance in Camden, Illinois
With a median home value of $103,900, Camden is 5% lower than the Schuyler County median.
The typical home in Camden was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 5 points below Schuyler County's 38%.
In Camden, the housing stock is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Camden, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Camden has an owner-occupancy rate of 93% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Camden - 83% - are primarily heated with natural gas.
Schuyler County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Schuyler County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $103,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Schuyler County | 9 |
| 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)