Home Insurance in Lebanon, Illinois
The median home value in Lebanon is $170,700, 5% lower than the St. Clair County median.
The typical home in Lebanon was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, in line with St. Clair County (32%).
The housing stock in Lebanon is 72% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 72% of owner-occupied homes in Lebanon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Lebanon are owner-occupied.
49% of homes in Lebanon are primarily heated with natural gas.
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.
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 | $170,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)