Home Insurance in Beaverville, Illinois
With a median home value of $96,300, Beaverville is 30% lower than the Iroquois County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Beaverville was built in 1939 or earlier. About 71% of homes were built before 1960, about 20 points above Iroquois County's 50%.
The housing stock in Beaverville is 84% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Beaverville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Beaverville are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Beaverville, 96% of homes are primarily heated with natural gas.
Iroquois County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Iroquois County had 255 active NFIP flood policies as of September 2026. See the full Iroquois County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 home value | $96,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Iroquois County | 255 |
| 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)