HomeInsuranceQts

Home Insurance in Marissa, Illinois

Homes in Marissa carry a median value of $99,500 - 45% lower than the St. Clair County median.

The typical home in Marissa was built around 1958. About 52% of homes were built before 1960, about 19 points above St. Clair County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

The housing stock in Marissa is 77% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

43% of owner-occupied homes in Marissa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Marissa has an owner-occupancy rate of 79% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.

79% of homes in Marissa 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.

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$99,500
Median year built1958
Owner-occupied share79%
Share of owner-occupied homes with a mortgage43%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in St. Clair County1,003
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Marissa, IL

Nearby towns

Sources

Data last updated: 2026-09-29