Home Insurance in Plainville, Illinois
The median home value in Plainville is $98,000, 40% lower than the Adams County median.
The typical home in Plainville was built around 1949. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 12 points above Adams County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Plainville is 82% single-family homes and 18% mobile or manufactured homes.
About 43% of owner-occupied homes in Plainville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Plainville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Plainville, 78% of homes are primarily heated with natural gas.
Adams County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Adams County had 112 active NFIP flood policies as of September 2026. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $98,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Adams County | 112 |
| 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)