Home Insurance in Jerseyville, Illinois
The median home value in Jerseyville is $143,900, 16% lower than the Jersey County median.
The typical home in Jerseyville was built around 1964. About 46% of homes were built before 1960, about 14 points above Jersey County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Jerseyville, the housing stock is 87% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 54% of owner-occupied homes in Jerseyville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Jerseyville are owner-occupied.
In Jerseyville, 58% of homes are primarily heated with natural gas.
Jersey County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Jersey County had 92 active NFIP flood policies as of September 2026. 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 | $143,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)