Home Insurance in Bluffs, Illinois
The median home value in Bluffs is $73,600, 24% lower than the Scott County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bluffs was built around 1956. About 55% of homes were built before 1960, about 10 points above Scott County's 46%.
In Bluffs, the housing stock is 86% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
42% of owner-occupied homes in Bluffs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Bluffs are owner-occupied.
In Bluffs, 77% of homes are primarily heated with natural gas.
FEMA rates Scott County's overall risk as Very Low, led by earthquake (Very Low). Scott County had 29 active NFIP flood policies as of September 2026. See the full Scott County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $73,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Scott County | 29 |
| 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)