Home Insurance in Tazewell County, Illinois
Homes in Tazewell County carry a median value of $167,500 - 36% lower than the Illinois median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tazewell County was built around 1969. About 37% of homes were built before 1960, in line with Illinois (38%).
In Tazewell County, the housing stock is 84% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
59% of owner-occupied homes in Tazewell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Tazewell County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tazewell County - 73% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Tazewell County's top hazards are tornado (Relatively High), strong wind (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Tazewell County has 213 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $167,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 213 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Armington
- Creve Coeur
- Deer Creek
- Delavan
- East Peoria
- Green Valley
- Hopedale
- Mackinaw
- Marquette Heights
- Minier
- Morton
- North Pekin
- Pekin
- South Pekin
- Tremont
- Washington
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)