Home Insurance in Jonesboro, Illinois
Homes in Jonesboro carry a median value of $106,400 - 19% lower than the Union County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jonesboro was built around 1966. About 47% of homes were built before 1960, about 12 points above Union County's 35%.
In Jonesboro, the housing stock is 74% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Jonesboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jonesboro has an owner-occupancy rate of 77% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Jonesboro, 57% of homes are primarily heated with natural gas.
Union County had 63 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | 1966 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Union County | 63 |
| 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)