Home Insurance in East St. Louis, Illinois
The median home value in East St. Louis is $52,600, 71% lower than the St. Clair County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in East St. Louis was built around 1956. About 59% of homes were built before 1960, about 26 points above St. Clair County's 32%.
The housing stock in East St. Louis is 71% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
26% of owner-occupied homes in East St. Louis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in East St. Louis are owner-occupied.
70% of homes in East St. Louis are primarily heated with natural gas.
FEMA rates St. Clair County's overall risk as Relatively High, led by earthquake (Relatively Moderate). 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 | $52,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)