Home Insurance in Cahokia Heights, Illinois
Homes in Cahokia Heights carry a median value of $56,000 - 69% lower than the St. Clair 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 Cahokia Heights was built around 1964. About 41% of homes were built before 1960, about 9 points above St. Clair County's 32%.
In Cahokia Heights, the housing stock is 81% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cahokia Heights, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cahokia Heights has an owner-occupancy rate of 52% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Cahokia Heights, 59% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Cahokia Heights? FEMA's National Risk Index points to earthquake (Relatively Moderate) in St. Clair County and St. Clair County had 1,003 active NFIP flood policies as of September 2026. 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.
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 | $56,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)