Home Insurance in Stark County, Illinois
The median home value in Stark County is $104,500, 60% lower than the Illinois median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stark County was built around 1956. About 54% of homes were built before 1960, about 16 points above Illinois's 38%.
Housing in Stark County breaks down to 88% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Stark County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Stark County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Stark County are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively Low), earthquake (Very Low) and hail (Very Low) as the leading hazards for Stark County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Stark County has 5 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $104,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Low), Earthquake (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)