Home Insurance in Tampico, Illinois
Homes in Tampico carry a median value of $86,000 - 32% lower than the Whiteside County median.
The typical home in Tampico was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 59% of homes were built before 1960, about 10 points above Whiteside County's 48%.
In Tampico, the housing stock is 89% single-family homes and 2% mobile or manufactured homes.
In Tampico, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tampico has an owner-occupancy rate of 89% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
79% of homes in Tampico are primarily heated with natural gas.
Whiteside County had 183 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Whiteside County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $86,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Whiteside County | 183 |
| 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)