Home Insurance in Carrollton, Illinois
With a median home value of $114,000, Carrollton is 20% higher than the Greene County median.
The typical home in Carrollton was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 1 point below Greene County's 52%.
In Carrollton, the housing stock is 85% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Carrollton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Carrollton are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Carrollton are primarily heated with natural gas.
Greene County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Greene County had 15 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $114,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Greene County | 15 |
| 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)