Home Insurance in Jewett, Illinois
The median home value in Jewett is $57,200, 55% lower than the Cumberland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jewett was built around 1957. About 56% of homes were built before 1960, about 18 points above Cumberland County's 38%.
In Jewett, the housing stock is 76% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Jewett carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jewett has an owner-occupancy rate of 90% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Jewett - 67% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Cumberland County's overall risk as Very Low, led by earthquake (Relatively Low). Cumberland County had 2 active NFIP flood policies as of September 2026. See the full Cumberland 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 | $57,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Cumberland County | 2 |
| 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)