Home Insurance in Deer Creek, Illinois
With a median home value of $148,900, Deer Creek is 11% lower than the Tazewell County median.
The typical home in Deer Creek was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 9 points above Tazewell County's 37%.
Housing in Deer Creek breaks down to 95% single-family homes and 4% apartments in buildings with 5+ units.
65% of owner-occupied homes in Deer Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Deer Creek has an owner-occupancy rate of 78% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Deer Creek, 83% of homes are primarily heated with natural gas.
Tazewell County had 213 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Tazewell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $148,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)