Home Insurance in Creve Coeur, Illinois
With a median home value of $85,500, Creve Coeur is 49% lower than the Tazewell County median.
The typical home in Creve Coeur was built around 1955. About 63% of homes were built before 1960, about 25 points above Tazewell County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Creve Coeur is 83% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
48% of owner-occupied homes in Creve Coeur carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Creve Coeur are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Creve Coeur - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Creve Coeur? FEMA's National Risk Index points to tornado (Relatively High) in Tazewell County and Tazewell County had 213 active NFIP flood policies as of September 2026. See the full Tazewell 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 | $85,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Tazewell County | 213 |
| 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)