Home Insurance in Dupo, Illinois
With a median home value of $113,800, Dupo is 37% lower than the St. Clair County median.
The typical home in Dupo was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 1 point 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 Dupo is 75% single-family homes, 10% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 44% of owner-occupied homes in Dupo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Dupo are owner-occupied.
In Dupo, 56% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Dupo? 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 | $113,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)