Home Insurance in Naples, Illinois
With a median home value of $63,400, Naples is 34% lower than the Scott County median.
The typical home in Naples was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 28 points below Scott County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Naples is 80% single-family homes and 20% mobile or manufactured homes.
56% of owner-occupied homes in Naples carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Naples has an owner-occupancy rate of 96% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Most homes in Naples - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Naples? 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $63,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)