Home Insurance in St. Francisville, Illinois
With a median home value of $63,900, St. Francisville is 36% lower than the Lawrence County median.
The typical home in St. Francisville was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 2 points above Lawrence County's 46%.
The housing stock in St. Francisville is 73% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in St. Francisville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in St. Francisville are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Francisville - 73% - are primarily heated with natural gas.
FEMA rates Lawrence County's overall risk as Relatively Low, led by earthquake (Relatively Low). Lawrence County had 12 active NFIP flood policies as of September 2026. See the full Lawrence 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 | $63,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Lawrence County | 12 |
| 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)