Home Insurance in Ewing, Illinois
The median home value in Ewing is $94,500, 6% higher than the Franklin County median.
The typical home in Ewing was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 5 points below Franklin County's 47%.
In Ewing, the housing stock is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Ewing carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ewing has an owner-occupancy rate of 85% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
51% of homes in Ewing are primarily heated with electricity.
What's the biggest home insurance risk near Ewing? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Franklin County and Franklin County had 53 active NFIP flood policies as of September 2026. See the full Franklin 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 | $94,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Franklin County | 53 |
| 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)