Estimated premiums for all four major property insurance types, plus FEMA flood zone breakdowns for Effingham County.
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These figures are estimates only, derived from publicly available data sources for Effingham County and its constituent census tracts, and are not insurance quotes. Actual premiums depend on your specific property, coverage selections, insurer, claims history, and underwriting decisions. Always obtain quotes from a licensed insurance agent before making coverage decisions.
Estimates are annualized and based on the median home value of $241,643 in Effingham County. Actual premiums will vary based on individual risk factors.
Standard HO-3 policies typically exclude damage from earthquakes and may have restrictions regarding wildfires. Supplemental policies may be required.
Effingham County sits in the Midwest agricultural corridor, where continuous wildland-urban interface fuel is minimal. Predominantly tilled farmland, high annual rainfall (35 to 45 inches), and the absence of large contiguous forests create conditions that do not support the sustained wildfires common in western states. Local creek corridors and wooded copses can experience small grass or brush fires during dry spells, but these rarely threaten structures and are typically covered under a standard HO-3 policy. No supplemental wildfire policy is typically required here.
Special Flood Hazard Area (SFHA) is the land area covered by the floodwaters of the base flood (1% annual chance). Mandatory flood insurance purchase requirements apply to all properties within the SFHA.
Outside the 1% annual chance floodplain. Flood insurance is not federally required, but recommended.
1% annual chance of flooding. Mandatory flood insurance required for federally backed mortgages.
Zone percentages may not sum to 100%. Rounding, areas without FEMA Flood Insurance Rate Map (FIRM) coverage, and parcels that carry more than one zone designation all contribute to this. Zone codes follow FEMA's official FIRM naming convention: "AE" indicates high-risk inland flooding with detailed base flood elevation data; "X" covers both moderate- and low-risk areas outside the 1% annual chance floodplain; "D" marks areas where flood hazard is possible but not yet determined; and "A99" applies to areas protected by levees under construction. Coverage and zone boundaries are updated as FIRMs are revised. Verify the current map for your property at msc.fema.gov.
Estimated premiums under FEMA's NFIP Risk Rating 2.0 vary by property-specific flood exposure, elevation certificate, and coverage level.
The estimated annual homeowners insurance premium for a median-priced home ($241,643) in Effingham County, IL is approximately $1,079/year ($90/month). This estimate is based on local HO-3 policy rates from Safe Rate's geographic insurance dataset.
7.0% of Effingham County, IL lies within FEMA's Special Flood Hazard Area (SFHA). Federal law requires flood insurance for all federally-backed mortgages on properties within the SFHA. Homeowners outside the SFHA are not required to carry flood insurance, but FEMA strongly recommends it.
Effingham County, IL contains multiple FEMA flood zones. 7.0% of the area is in the Special Flood Hazard Area (SFHA). Zone AE (high-risk inland flooding with detailed base flood elevations) covers 0.5% of the area. Zone X (moderate to low risk) covers 93.0%. See the full FEMA flood zone map on Safe Rate.
The estimated annual NFIP flood insurance premium for a median-priced home in Effingham County, IL is approximately $407/year. Actual premiums under FEMA's Risk Rating 2.0 vary by property-specific flood exposure, elevation certificate, and coverage level.
Standard homeowners insurance does not cover earthquake damage. For a median-priced home in Effingham County, IL, an earthquake insurance supplement is estimated to cost approximately $198/year. The exact premium depends on the property's age, construction type, and soil conditions.
For most properties in Effingham County, IL, basic fire damage is covered by a standard homeowners insurance (HO-3) policy, and specialized, high-risk wildfire supplements are not typically required.
7.0% of Effingham County, IL falls within FEMA's Special Flood Hazard Area (SFHA), which represents the area subject to inundation by the 1-percent-annual-chance flood event. Properties in this zone are at high risk of flooding.