Home Insurance in Waynesville, Illinois
Homes in Waynesville carry a median value of $95,300 - 27% lower than the De Witt County median.
The typical home in Waynesville was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 2 points above De Witt County's 52%.
The housing stock in Waynesville is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Waynesville, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Waynesville has an owner-occupancy rate of 91% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
78% of homes in Waynesville are primarily heated with natural gas.
De Witt County had 31 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full De Witt 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 | $95,300 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in De Witt County | 31 |
| 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)