Home Insurance in Radom, Illinois
With a median home value of $105,400, Radom is 32% lower than the Washington County median.
The typical home in Radom was built around 1970. About 40% of homes were built before 1960, about 3 points above Washington County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Radom, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Radom have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Radom are owner-occupied. The vacancy rate is 6%; 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. Most homes in Radom - 86% - are primarily heated with propane.
Washington County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $105,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)