Home Insurance in Willow Hill, Illinois
Homes in Willow Hill carry a median value of $50,000 - 60% lower than the Jasper County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Willow Hill was built around 1959. About 51% of homes were built before 1960, about 17 points above Jasper County's 34%.
The housing stock in Willow Hill is 71% single-family homes, 1% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Willow Hill, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 96% of occupied homes in Willow Hill are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Willow Hill - 79% - are primarily heated with natural gas.
Jasper County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
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 | $50,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Jasper County | 4 |
| 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)