Home Insurance in Caseyville, Illinois
Homes in Caseyville carry a median value of $96,800 - 46% 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 Caseyville was built around 1966. About 46% of homes were built before 1960, about 14 points above St. Clair County's 32%.
The housing stock in Caseyville is 75% single-family homes, 9% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Caseyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Caseyville has an owner-occupancy rate of 70% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Caseyville, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Caseyville? 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 | $96,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Fairview Heights
- Washington Park
- Collinsville
- Fairmont City
- East St. Louis
- Madison
- Swansea
- Pontoon Beach
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)