Home Insurance in Waltonville, Illinois
Homes in Waltonville carry a median value of $111,400 - 12% lower than the Jefferson County median.
The typical home in Waltonville was built around 1971. About 35% of homes were built before 1960, about 7 points above Jefferson County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Waltonville is 77% single-family homes and 18% mobile or manufactured homes.
About 26% of owner-occupied homes in Waltonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waltonville has an owner-occupancy rate of 67% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
58% of homes in Waltonville are primarily heated with natural gas.
Jefferson County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Jefferson 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 | $111,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 23 |
| 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)