Home Insurance in Mackinaw, Illinois
Homes in Mackinaw carry a median value of $158,300 - 5% lower than the Tazewell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mackinaw was built around 1973. About 37% of homes were built before 1960, in line with Tazewell County (37%).
In Mackinaw, the housing stock is 81% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Mackinaw have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Mackinaw are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mackinaw - 83% - are primarily heated with natural gas.
Tazewell County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $158,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)