Home Insurance in Scott County, Illinois
The median home value in Scott County is $96,400, 63% lower than the Illinois median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Scott County was built around 1963. About 46% of homes were built before 1960, about 8 points above Illinois's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scott County is 83% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Scott County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Scott County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
45% of homes in Scott County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Very Low), strong wind (Relatively Low) and tornado (Very Low) as the leading hazards for Scott County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Scott County has 29 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $96,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Strong Wind (Relatively Low), Tornado (Very Low) |
| Active NFIP flood policies (county) | 29 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)