Home Insurance in Greene County, Illinois
With a median home value of $95,200, Greene County is 64% lower than the Illinois median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Greene County was built around 1957. About 52% of homes were built before 1960, about 14 points above Illinois's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Greene County is 83% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Greene County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Greene County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 53% of homes in Greene County are primarily heated with natural gas.
Per FEMA's National Risk Index, Greene County's top hazards are earthquake (Very Low), strong wind (Relatively Low) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Greene County had 15 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $95,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Strong Wind (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 15 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Greenfield
- Median home value: $103,900
- Median year built: 1967
- Owner-occupied share: 70%
-
Rockbridge
- Median home value: $77,500
- Median year built: 1956
- Owner-occupied share: 91%
-
White Hall
- Median home value: $63,800
- Median year built: 1950
- Owner-occupied share: 75%
-
Wilmington
- Median home value: $34,500
- Median year built: 1939 or earlier
- Owner-occupied share: 91%
Sources
- 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)