HomeInsuranceQts

Home Insurance in Wheeler, Illinois

The typical home in Wheeler was built around 1991. About 19% of homes were built before 1960, about 15 points below Jasper County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Wheeler, the housing stock is 32% single-family homes and 68% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

7% of owner-occupied homes in Wheeler carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Wheeler has an owner-occupancy rate of 78% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.

53% of homes in Wheeler are primarily heated with natural gas.

FEMA rates Jasper County's overall risk as Very Low, led by earthquake (Relatively Low). Jasper County had 4 active NFIP flood policies as of September 2026. See the full Jasper 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 year built1991
Owner-occupied share78%
Share of owner-occupied homes with a mortgage7%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Jasper County4
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Wheeler, IL

Nearby towns

Sources

Data last updated: 2026-09-29