Home Insurance in Bartelso, Illinois
Homes in Bartelso carry a median value of $209,700 - 9% higher than the Clinton County median.
The typical home in Bartelso was built around 1989. About 13% of homes were built before 1960, about 14 points below Clinton County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Bartelso breaks down to 94% single-family homes and 2% mobile or manufactured homes.
In Bartelso, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Bartelso are owner-occupied.
Most homes in Bartelso - 70% - are primarily heated with natural gas.
Clinton County had 42 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Clinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $209,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Clinton County | 42 |
| 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)