Home Insurance in Rock City, Illinois
The median home value in Rock City is $122,700, 9% lower than the Stephenson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rock City was built around 1954. About 57% of homes were built before 1960, about 6 points above Stephenson County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rock City is 80% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Rock City, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Rock City are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Rock City are primarily heated with natural gas.
FEMA rates Stephenson County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $122,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)