Home Insurance in Pearl City, Illinois
The median home value in Pearl City is $128,200, close to the Stephenson County median.
The typical home in Pearl City was built around 1974. About 40% of homes were built before 1960, about 11 points below Stephenson County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Pearl City breaks down to 80% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Pearl City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Pearl City are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Pearl City are primarily heated with natural gas.
Stephenson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Stephenson County had 60 active NFIP flood policies as of September 2026. See the full Stephenson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $128,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Stephenson County | 60 |
| 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)