Home Insurance in Wilsonville, Illinois
Homes in Wilsonville carry a median value of $85,000 - 38% lower than the Macoupin County median.
The typical home in Wilsonville was built around 1948. About 62% of homes were built before 1960, about 17 points above Macoupin County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wilsonville, the housing stock is 95% single-family homes and 2% mobile or manufactured homes.
About 58% of owner-occupied homes in Wilsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilsonville has an owner-occupancy rate of 66% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Wilsonville - 69% - are primarily heated with natural gas.
Macoupin County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Macoupin County had 12 active NFIP flood policies as of September 2026. See the full Macoupin 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 | $85,000 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Macoupin 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)