Home Insurance in Old Shawneetown, Illinois
The typical home in Old Shawneetown was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 0% of homes were built before 1960, about 39 points below Gallatin County's 39%.
The housing stock in Old Shawneetown is 22% single-family homes and 75% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
8% of owner-occupied homes in Old Shawneetown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Old Shawneetown are owner-occupied.
In Old Shawneetown, 54% of homes are primarily heated with electricity.
Gallatin County had 30 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Gallatin 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 year built | 1991 |
|---|---|
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Gallatin County | 30 |
| 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)