Home Insurance in Viola, Illinois
Homes in Viola carry a median value of $120,000 - 18% lower than the Mercer County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Viola was built around 1961. About 49% of homes were built before 1960, about 2 points above Mercer County's 48%.
Housing in Viola breaks down to 90% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 68% of owner-occupied homes in Viola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Viola has an owner-occupancy rate of 92% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Viola, 88% of homes are primarily heated with natural gas.
Mercer County had 18 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Mercer 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 | $120,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mercer County | 18 |
| 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)