Home Insurance in Maryville, Illinois
With a median home value of $261,800, Maryville is 51% higher than the Madison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Maryville was built around 1997. About 9% of homes were built before 1960, about 28 points below Madison County's 36%.
The housing stock in Maryville is 86% single-family homes and 4% apartments in buildings with 5+ units.
71% of owner-occupied homes in Maryville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Maryville are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Maryville are primarily heated with natural gas.
What's the biggest home insurance risk near Maryville? FEMA's National Risk Index points to tornado (Relatively High) in Madison County and Madison County had 934 active NFIP flood policies as of September 2026. See the full Madison County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $261,800 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Madison County | 934 |
| 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)