Home Insurance in Williamson, Illinois
Homes in Williamson carry a median value of $75,800 - 56% lower than the Madison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Williamson was built around 1945. About 69% of homes were built before 1960, about 33 points above Madison County's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Williamson is 88% single-family homes and 12% mobile or manufactured homes.
In Williamson, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Williamson has an owner-occupancy rate of 68% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
79% of homes in Williamson are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Williamson? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $75,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)