HomeInsuranceQts

Home Insurance in Villa Grove, Illinois

With a median home value of $125,700, Villa Grove is 16% lower than the Douglas County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Villa Grove was built around 1960. About 51% of homes were built before 1960, about 10 points above Douglas County's 41%.

Housing in Villa Grove breaks down to 89% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

55% of owner-occupied homes in Villa Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 73% of occupied homes in Villa Grove are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

68% of homes in Villa Grove are primarily heated with natural gas.

FEMA rates Douglas County's overall risk as Relatively Low, led by hail (Relatively High). Douglas County had 96 active NFIP flood policies as of September 2026. See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details.

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$125,700
Median year built1960
Owner-occupied share73%
Share of owner-occupied homes with a mortgage55%
Top county hazardHail (Relatively High)
Active NFIP policies in Douglas County96
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Villa Grove, IL

Nearby towns

Sources

Data last updated: 2026-09-29