Home Insurance in Sauget, Illinois
The median home value in Sauget is $51,400, 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 Sauget was built around 1955. About 59% of homes were built before 1960, about 27 points above St. Clair County's 32%.
In Sauget, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Sauget have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 44% of occupied homes in Sauget are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sauget, 79% of homes 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 | $51,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)