Home Insurance in Greenville, Illinois
Homes in Greenville carry a median value of $122,000 - 16% lower than the Bond County median.
The typical home in Greenville was built around 1973. About 41% of homes were built before 1960, about 7 points above Bond County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Greenville is 64% single-family homes, 21% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Greenville, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greenville has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Greenville, 55% of homes are primarily heated with natural gas.
Bond County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Bond County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $122,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Bond County | 7 |
| 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)