Home Insurance in Du Bois, Illinois
The median home value in Du Bois is $75,000, 52% lower than the Washington County median.
The typical home in Du Bois was built around 1954. About 61% of homes were built before 1960, about 24 points above Washington County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Du Bois is 87% single-family homes and 13% mobile or manufactured homes.
26% of owner-occupied homes in Du Bois carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Du Bois are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Du Bois are primarily heated with natural gas.
What's the biggest home insurance risk near Du Bois? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Washington County and Washington County had 7 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $75,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Washington County | 7 |
| 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)