Home Insurance in Ellisville, Illinois
Homes in Ellisville carry a median value of $33,600 - 69% lower than the Fulton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Ellisville was built in 1939 or earlier. About 81% of homes were built before 1960, about 31 points above Fulton County's 50%.
Housing in Ellisville breaks down to 100% single-family homes.
In Ellisville, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ellisville has an owner-occupancy rate of 100% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Ellisville - 92% - are primarily heated with propane.
FEMA rates Fulton County's overall risk as Relatively Low, led by hail (Relatively Moderate). Fulton County had 28 active NFIP flood policies as of September 2026. See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $33,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Fulton County | 28 |
| 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)