Home Insurance in East Carondelet, Illinois
With a median home value of $58,600, East Carondelet is 67% 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 East Carondelet was built around 1971. About 35% of homes were built before 1960, about 2 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 East Carondelet is 71% single-family homes and 27% mobile or manufactured homes.
About 39% of owner-occupied homes in East Carondelet have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
East Carondelet has an owner-occupancy rate of 71% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
56% of homes in East Carondelet are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
St. Clair County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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 | $58,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)