Home Insurance in Blandinsville, Illinois
Homes in Blandinsville carry a median value of $68,800 - 36% lower than the McDonough County median.
The typical home in Blandinsville was built around 1942. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 21 points above McDonough County's 43%.
The housing stock in Blandinsville is 91% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Blandinsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Blandinsville has an owner-occupancy rate of 88% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Blandinsville - 80% - are primarily heated with natural gas.
What's the biggest home insurance risk near Blandinsville? FEMA's National Risk Index points to hail (Relatively Moderate) in McDonough County and McDonough County had 8 active NFIP flood policies as of September 2026. See the full McDonough 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 | $68,800 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in McDonough County | 8 |
| 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)