Home Insurance in Elsah, Illinois
Homes in Elsah carry a median value of $221,400 - 29% higher than the Jersey County median.
The median home in Elsah was built in 1939 or earlier. About 64% of homes were built before 1960, about 32 points above Jersey County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Elsah breaks down to 96% single-family homes.
About 59% of owner-occupied homes in Elsah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elsah has an owner-occupancy rate of 87% and a vacancy rate of 62%; unoccupied homes typically need a different coverage form.
77% of homes in Elsah are primarily heated with natural gas.
Jersey County had 92 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Jersey 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 | $221,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Jersey County | 92 |
| 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)