Home Insurance in Elkville, Illinois
Homes in Elkville carry a median value of $71,000 - 48% lower than the Jackson County median.
The typical home in Elkville was built around 1959. About 51% of homes were built before 1960, about 26 points above Jackson County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elkville is 76% single-family homes, 2% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 35% of owner-occupied homes in Elkville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elkville has an owner-occupancy rate of 71% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Elkville - 62% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jackson County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Jackson County had 119 active NFIP flood policies as of September 2026. See the full Jackson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $71,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Jackson County | 119 |
| 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)