Home Insurance in Ellsworth, Illinois
The median home value in Ellsworth is $121,000, 42% lower than the McLean County median.
The median home in Ellsworth was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 68% of homes were built before 1960, about 45 points above McLean County's 23%.
The housing stock in Ellsworth is 94% single-family homes and 1% mobile or manufactured homes.
82% of owner-occupied homes in Ellsworth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Ellsworth are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ellsworth, 94% of homes are primarily heated with natural gas.
FEMA rates McLean County's overall risk as Relatively Moderate, led by tornado (Relatively Moderate). McLean County had 141 active NFIP flood policies as of September 2026. See the full McLean County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $121,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in McLean County | 141 |
| 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)