Home Insurance in Glasgow, Illinois
With a median home value of $61,000, Glasgow is 37% lower than the Scott County median.
The typical home in Glasgow was built around 1940. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 19 points above Scott County's 46%.
The housing stock in Glasgow is 84% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Glasgow, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Glasgow are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Glasgow, 69% of homes 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.
What's the biggest home insurance risk near Glasgow? FEMA's National Risk Index points to earthquake (Very Low) in Scott County and 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.
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 | $61,000 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)