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Home insurance & flood costs in ZIP 62948 (Herrin, IL)

Plain facts for homeowners in Herrin: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 62948 at a glance

Four numbers most homeowners ask about first.

$1,646
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$851
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.86%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.3%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 62948 in numbers
$7,003
average paid claim (2022)
+10%
premium change 2018–2022, after inflation
2.57%
cancelled by insurers mid-term (2022)
33
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 62948 was $1,646 in 2022, 7% below the Williamson County typical ZIP ($1,761) and 6% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 10% between 2018 and 2022. About 4.3% of policies here had a paid claim in 2022, and insurers chose not to renew 0.86% of policies.

Williamson County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 62948WilliamsonU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 62948 in 2025 cost $851, based on 33 policies, compared with $854 in 2022. About 73% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

33 policies
A zones 73%X/B/C zones 27%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Williamson County

The chart shows the share of homeowners policies in ZIP 62948 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Williamson County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Strong wind99 · Very High
  • Earthquake96 · Relatively Moderate
  • Heat wave91 · Relatively Moderate
  • Winter weather90 · Relatively High
  • Cold wave87 · Relatively Moderate

Other ZIP codes in Williamson County

Average premium per policy in 2022 (Treasury FIO).

62918 Carterville · $1,86162959 Marion · $1,812

Practical next steps

Simple things homeowners in ZIP 62948 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.