Home Insurance in St. Clair County, Illinois
Homes in St. Clair County carry a median value of $180,300 - 32% 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 St. Clair County was built around 1975. About 32% of homes were built before 1960, about 6 points below 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 St. Clair County is 77% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In St. Clair County, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in St. Clair County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Clair County - 61% - are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively Moderate), hail (Relatively High) and tornado (Relatively High) as the leading hazards for St. Clair County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
St. Clair County had 1,003 active National Flood Insurance Program policies as of September 2026. 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 | $180,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Hail (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 1,003 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Belleville
- Brooklyn
- Cahokia Heights
- Caseyville
- Dupo
- East Carondelet
- East St. Louis
- Fairmont City
- Fairview Heights
- Fayetteville
- Freeburg
- Lebanon
- Lenzburg
- Marissa
- Mascoutah
- Millstadt
- New Athens
- New Baden
- O'Fallon
- Sauget
- Shiloh
- Smithton
- Swansea
- Washington Park
Smaller communities
-
St. Libory
- Median home value: $178,800
- Median year built: 1979
- Owner-occupied share: 85%
-
Summerfield
- Median home value: $75,700
- Median year built: 1977
- Owner-occupied share: 85%
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)