Home Insurance in South Pekin, Illinois
With a median home value of $106,400, South Pekin is 36% lower than the Tazewell County median.
The typical home in South Pekin was built around 1957. About 54% of homes were built before 1960, about 16 points above Tazewell County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In South Pekin, the housing stock is 95% single-family homes.
In South Pekin, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
South Pekin has an owner-occupancy rate of 83% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In South Pekin, 77% 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.
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 | $106,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)