Home Insurance in Brooklyn, Illinois
The median home value in Brooklyn is $37,500, 79% lower than the St. Clair County median.
The typical home in Brooklyn was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 7 points above St. Clair County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brooklyn is 51% single-family homes, 15% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 32% of owner-occupied homes in Brooklyn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 45% of occupied homes in Brooklyn are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Brooklyn are primarily heated with natural gas.
St. Clair County had 1,003 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full St. Clair 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 | $37,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in St. Clair County | 1,003 |
| 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)