Home Insurance in Woodlawn, Illinois
The median home value in Woodlawn is $132,700, 5% higher than the Jefferson County median.
The typical home in Woodlawn was built around 1984. About 9% of homes were built before 1960, about 19 points below Jefferson County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Woodlawn, the housing stock is 55% single-family homes and 33% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Woodlawn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodlawn has an owner-occupancy rate of 83% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
57% of homes in Woodlawn are primarily heated with electricity.
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.
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 | $132,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)