Home Insurance in Fairview Heights, Illinois
Homes in Fairview Heights carry a median value of $177,700 - close to 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 Fairview Heights was built around 1972. About 30% of homes were built before 1960, about 2 points below St. Clair County's 32%.
The housing stock in Fairview Heights is 77% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
60% of owner-occupied homes in Fairview Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Fairview Heights are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fairview Heights, 58% of homes are primarily heated with natural gas.
St. Clair County had 1,003 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $177,700 |
|---|---|
| Median year built | 1972 |
| 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
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)