Home Insurance in Palestine, Illinois
With a median home value of $81,300, Palestine is 33% lower than the Crawford County median.
The typical home in Palestine was built around 1955. About 60% of homes were built before 1960, about 15 points above Crawford County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Palestine is 87% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Palestine carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Palestine has an owner-occupancy rate of 83% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Palestine - 85% - are primarily heated with natural gas.
Crawford County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Crawford County had 25 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $81,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Crawford County | 25 |
| 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)