Home Insurance in North Pekin, Illinois
The median home value in North Pekin is $125,600, 25% lower than the Tazewell County median.
The typical home in North Pekin was built around 1965. About 44% of homes were built before 1960, about 6 points above Tazewell County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in North Pekin breaks down to 100% single-family homes.
About 59% of owner-occupied homes in North Pekin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in North Pekin are owner-occupied.
90% of homes in North Pekin 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 | $125,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)