Home Insurance Non-Renewals in Illinois, County by County
0.66 percent of Illinois homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.54% | 0.62% | 0.53% | 0.73% | 0.64% | 0.66% |
The statewide 0.66 percent for Illinois is an average over books that look nothing alike. Of the 100 counties left once the ones under 500 policies are set aside, Pulaski read 2.99 percent in 2023, 4.5 times the state figure, and the lowest county read 0.14 percent. Across all 102 counties with a 2023 reading the midpoint is 0.78 percent, a long way under the figures at the top of the column. Ranked by the size of the move since 2018 rather than by the level, it comes 29th of 51. Under that 2023 rate are 12,702 policies the insurer declined to renew, out of 1,913,588 in force. The rate rose in 2023. Non-renewals counted 10,535 in 2018 and 12,702 in 2023, while the book behind them shrank from 1,950,698 policies to 1,913,588. In 2023, 65 of the 102 counties with a reading that year sat above the state rate. In 89 of the 102 counties with a reading in both years, 2023 came in above 2018. One row here, Pulaski, is inside the national top 100 counties by 2023 rate, counted from books of at least 500 policies. Each figure counts a policy the insurer let expire instead of renewing it. That is a decision made by the carrier, and it tends to show up in the data before prices and availability move.
Every county in the file
Nothing is filtered out of this table, only out of the arithmetic above it, where a county needs 500 policies in 2023 before its rate is ranked or named. Two counties below sit under it and are printed anyway. On a two-policy book a single non-renewal is 50 percent, and that is a property of the fraction.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Pulaski | 0.97% | 0.78% | 0.56% | 2.62% | 1.90% | 2.99% | 501 | up sharply |
| Stark | 1.25% | 1.38% | 0.27% | 0.53% | 1.45% | 2.33% | 730 | up sharply |
| Alexander | 1.25% | 1.46% | 0.74% | 2.37% | 1.27% | 1.69% | 534 | up |
| Hamilton | 0.61% | 1.30% | 0.57% | 0.56% | 0.55% | 1.44% | 905 | up sharply |
| Massac | 1.15% | 0.73% | 0.62% | 0.88% | 1.05% | 1.41% | 1,700 | up |
| Bond | 0.66% | 0.54% | 0.54% | 1.19% | 1.06% | 1.38% | 2,319 | up sharply |
| Mason | 0.48% | 0.60% | 0.64% | 1.26% | 1.10% | 1.31% | 1,678 | up sharply |
| Warren | 0.76% | 0.64% | 0.42% | 1.33% | 1.21% | 1.30% | 1,850 | up sharply |
| Pike | 0.59% | 0.80% | 0.48% | 1.57% | 0.96% | 1.29% | 1,777 | up sharply |
| Jasper | 0.57% | 0.67% | 0.56% | 0.34% | 0.47% | 1.25% | 799 | up sharply |
| Moultrie | 0.46% | 0.51% | 0.22% | 0.98% | 1.16% | 1.18% | 1,776 | up sharply |
| Franklin | 1.08% | 1.49% | 0.69% | 1.05% | 1.45% | 1.16% | 4,747 | flat |
| Hancock | 0.55% | 0.89% | 0.98% | 1.29% | 1.23% | 1.15% | 1,733 | up sharply |
| Wayne | 0.22% | 1.31% | 0.40% | 1.02% | 0.70% | 1.09% | 1,648 | up sharply |
| Saline | 0.90% | 0.97% | 0.55% | 1.28% | 1.02% | 1.07% | 2,885 | up |
| Carroll | 0.47% | 0.48% | 0.61% | 0.60% | 0.81% | 1.06% | 2,260 | up sharply |
| Scott | 0.58% | 0.57% | 0.70% | 0.95% | 0.84% | 1.02% | 683 | up |
| Clay | 0.75% | 0.99% | 0.49% | 0.35% | 0.89% | 1.01% | 1,584 | up |
| Marshall | 0.69% | 0.89% | 0.68% | 0.99% | 1.37% | 1.00% | 1,499 | up |
| Lawrence | 0.60% | 0.77% | 0.42% | 0.65% | 0.88% | 0.99% | 1,613 | up |
| Fulton | 0.69% | 0.52% | 0.39% | 0.95% | 1.21% | 0.98% | 5,622 | up |
| Marion | 0.81% | 0.91% | 0.48% | 0.79% | 1.01% | 0.98% | 5,923 | up |
| Mercer | 0.33% | 0.53% | 0.20% | 0.93% | 1.14% | 0.98% | 2,439 | up sharply |
| Jackson | 0.61% | 1.01% | 0.36% | 0.81% | 0.62% | 0.97% | 4,840 | up |
| Edgar | 0.69% | 0.60% | 0.55% | 1.46% | 1.50% | 0.96% | 2,387 | up |
| Clark | 0.52% | 0.60% | 0.63% | 1.15% | 0.91% | 0.95% | 2,114 | up |
| Washington | 0.73% | 1.01% | 0.64% | 0.67% | 1.30% | 0.95% | 1,681 | up |
| Ford | 0.80% | 0.33% | 0.27% | 1.48% | 1.18% | 0.94% | 1,697 | up |
| Livingston | 0.43% | 0.59% | 0.38% | 1.17% | 0.72% | 0.93% | 4,195 | up sharply |
| Vermilion | 0.88% | 1.13% | 0.79% | 1.12% | 0.78% | 0.93% | 9,693 | flat |
| Boone | 0.52% | 0.73% | 0.40% | 0.85% | 0.83% | 0.92% | 9,091 | up |
| Iroquois | 0.40% | 0.61% | 0.67% | 1.56% | 1.29% | 0.92% | 2,295 | up sharply |
| Coles | 0.61% | 0.62% | 0.61% | 0.92% | 0.81% | 0.90% | 5,921 | up |
| McDonough | 0.75% | 0.53% | 0.43% | 1.26% | 0.95% | 0.90% | 3,331 | up |
| Macon | 0.56% | 0.64% | 0.47% | 0.95% | 0.84% | 0.88% | 15,154 | up |
| Richland | 0.24% | 0.47% | 0.23% | 0.46% | 1.03% | 0.87% | 1,498 | up sharply |
| Montgomery | 0.23% | 0.56% | 0.38% | 0.91% | 0.86% | 0.86% | 3,953 | up sharply |
| Pope | 0.84% | 1.23% | 1.03% | 1.16% | 0.99% | 0.86% | 583 | flat |
| Rock Island | 0.54% | 0.54% | 0.50% | 0.90% | 0.61% | 0.86% | 26,029 | up |
| Cass | 0.37% | 0.62% | 0.37% | 1.30% | 1.36% | 0.85% | 1,407 | up |
| Hardin | 1.59% | 2.33% | 0.73% | 1.50% | 0.98% | 0.85% | 472 | down sharply |
| Whiteside | 0.52% | 0.75% | 0.49% | 0.92% | 0.72% | 0.84% | 8,425 | up |
| Henry | 0.47% | 0.61% | 0.46% | 0.71% | 0.80% | 0.83% | 7,707 | up |
| Knox | 0.91% | 0.63% | 0.44% | 0.75% | 0.88% | 0.83% | 7,752 | flat |
| Fayette | 0.50% | 0.63% | 0.40% | 0.78% | 1.01% | 0.82% | 2,084 | up |
| St. Clair | 0.66% | 0.73% | 0.45% | 0.65% | 0.62% | 0.82% | 37,208 | up |
| Christian | 0.56% | 0.49% | 0.35% | 1.04% | 0.75% | 0.79% | 3,792 | up |
| Kendall | 0.34% | 0.57% | 0.53% | 0.69% | 0.54% | 0.79% | 24,262 | up |
| Macoupin | 0.49% | 0.55% | 0.38% | 0.83% | 0.67% | 0.79% | 5,810 | up |
| Williamson | 0.62% | 1.08% | 0.47% | 0.70% | 0.56% | 0.79% | 8,771 | up |
| Brown | 0.67% | 0.43% | 0.85% | 0.40% | 1.87% | 0.78% | 510 | up |
| De Witt | 0.55% | 0.63% | 0.25% | 0.93% | 0.76% | 0.78% | 2,436 | up |
| Bureau | 0.47% | 0.96% | 0.37% | 0.88% | 0.60% | 0.77% | 4,440 | up |
| Crawford | 0.86% | 0.35% | 0.48% | 0.83% | 0.42% | 0.76% | 1,985 | flat |
| Shelby | 0.44% | 0.58% | 0.38% | 0.69% | 0.84% | 0.74% | 2,031 | up |
| Winnebago | 0.65% | 0.75% | 0.50% | 0.86% | 0.74% | 0.74% | 46,337 | flat |
| Cumberland | 0.77% | 0.59% | 0.42% | 0.76% | 1.13% | 0.73% | 1,100 | flat |
| Douglas | 0.55% | 0.69% | 0.72% | 0.85% | 0.74% | 0.73% | 2,199 | up |
| Ogle | 0.47% | 0.60% | 0.37% | 0.78% | 0.74% | 0.73% | 6,842 | up |
| Jefferson | 0.64% | 1.08% | 0.58% | 0.83% | 0.87% | 0.72% | 5,163 | flat |
| Piatt | 0.43% | 0.46% | 0.29% | 0.64% | 0.55% | 0.71% | 2,951 | up |
| Cook | 0.60% | 0.70% | 0.64% | 0.83% | 0.71% | 0.69% | 702,129 | flat |
| Jersey | 0.41% | 0.43% | 0.42% | 0.55% | 0.48% | 0.69% | 4,043 | up |
| Peoria | 0.71% | 0.73% | 0.46% | 0.82% | 0.66% | 0.69% | 25,535 | flat |
| Morgan | 0.57% | 0.53% | 0.37% | 0.46% | 0.37% | 0.68% | 4,389 | up |
| Champaign | 0.47% | 0.53% | 0.36% | 0.73% | 0.64% | 0.66% | 21,274 | up |
| Dekalb | 0.39% | 0.60% | 0.42% | 0.63% | 0.52% | 0.66% | 14,350 | up |
| Kane | 0.43% | 0.58% | 0.46% | 0.57% | 0.55% | 0.66% | 80,005 | up |
| Logan | 0.49% | 0.51% | 0.46% | 0.65% | 0.89% | 0.66% | 4,078 | up |
| Stephenson | 0.53% | 0.56% | 0.33% | 0.57% | 0.65% | 0.66% | 5,004 | up |
| Lake | 0.59% | 0.54% | 0.65% | 0.56% | 0.54% | 0.65% | 122,744 | flat |
| Lee | 0.43% | 0.55% | 0.29% | 0.55% | 0.67% | 0.64% | 6,543 | up |
| Woodford | 0.30% | 0.49% | 0.33% | 0.57% | 0.41% | 0.64% | 4,980 | up |
| Johnson | 0.63% | 0.49% | 0.62% | 1.34% | 1.34% | 0.63% | 1,431 | flat |
| Lasalle | 0.66% | 0.49% | 0.37% | 0.63% | 0.62% | 0.62% | 18,193 | flat |
| Perry | 1.07% | 1.04% | 0.47% | 0.96% | 1.00% | 0.62% | 2,748 | down |
| Madison | 0.57% | 0.57% | 0.41% | 0.64% | 0.50% | 0.60% | 51,258 | flat |
| Calhoun | 0.54% | 0.56% | 0.28% | 1.91% | 0.86% | 0.59% | 338 | flat |
| Jo Daviess | 0.23% | 0.42% | 0.58% | 0.58% | 0.47% | 0.59% | 4,083 | up |
| Kankakee | 0.49% | 0.71% | 0.51% | 0.83% | 0.66% | 0.59% | 15,718 | flat |
| Will | 0.49% | 0.57% | 0.49% | 0.76% | 0.57% | 0.57% | 133,219 | flat |
| Putnam | 0.54% | 0.63% | 0.27% | 0.53% | 0.45% | 0.56% | 1,067 | flat |
| Randolph | 0.35% | 0.43% | 0.20% | 1.02% | 0.76% | 0.56% | 3,364 | up |
| Clinton | 0.25% | 0.30% | 0.19% | 0.41% | 0.37% | 0.55% | 4,939 | up |
| Union | 0.42% | 0.68% | 0.57% | 1.42% | 1.40% | 0.55% | 1,809 | up |
| Adams | 0.49% | 0.47% | 0.35% | 0.75% | 0.74% | 0.54% | 8,291 | flat |
| McHenry | 0.41% | 0.48% | 0.41% | 0.46% | 0.53% | 0.54% | 66,185 | up |
| Gallatin | 0.74% | 0.74% | 0.56% | 0.72% | 0.36% | 0.53% | 563 | down |
| Monroe | 0.16% | 0.25% | 0.35% | 0.31% | 0.35% | 0.53% | 6,059 | up |
| Tazewell | 0.58% | 0.53% | 0.33% | 0.62% | 0.66% | 0.53% | 24,316 | flat |
| Grundy | 0.35% | 0.38% | 0.38% | 0.61% | 0.52% | 0.52% | 6,185 | up |
| Sangamon | 0.40% | 0.57% | 0.45% | 0.58% | 0.49% | 0.52% | 29,258 | up |
| Effingham | 0.44% | 0.48% | 0.28% | 0.46% | 0.53% | 0.51% | 4,131 | flat |
| Wabash | 0.50% | 0.64% | 0.35% | 0.69% | 0.70% | 0.51% | 1,373 | flat |
| White | 0.63% | 0.88% | 0.66% | 1.05% | 1.22% | 0.51% | 2,362 | down |
| Schuyler | 0.12% | 0.00% | 0.24% | 0.35% | 0.72% | 0.49% | 818 | up |
| Edwards | 0.31% | 1.39% | 0.00% | 0.46% | 0.47% | 0.47% | 633 | up |
| Dupage | 0.38% | 0.42% | 0.43% | 0.52% | 0.48% | 0.44% | 174,094 | flat |
| McLean | 0.29% | 0.35% | 0.23% | 0.57% | 0.40% | 0.39% | 26,139 | up |
| Greene | 0.70% | 0.51% | 0.44% | 0.98% | 0.61% | 0.38% | 1,587 | down |
| Menard | 0.31% | 0.41% | 0.30% | 0.74% | 0.40% | 0.37% | 1,886 | flat |
| Henderson | 0.29% | 0.72% | 0.72% | 0.95% | 0.42% | 0.14% | 710 | down |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Notice periods before a non-renewal are set by state law and this desk has not yet sourced the Illinois statute. The states it has checked are on the coverage map. For Illinois, the department of insurance is the record that governs.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.