Home Insurance in Otterville, Illinois
Homes in Otterville carry a median value of $66,000 - 62% lower than the Jersey County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Otterville was built around 1960. About 50% of homes were built before 1960, about 18 points above Jersey County's 32%.
In Otterville, the housing stock is 72% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
20% of owner-occupied homes in Otterville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Otterville are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Otterville - 69% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jersey County's overall risk as Very Low, led by earthquake (Relatively Low). 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 | $66,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)