Home Insurance in Donnellson, Illinois
With a median home value of $51,700, Donnellson is 54% lower than the Montgomery County median.
The median home in Donnellson was built in 1939 or earlier. About 79% of homes were built before 1960, about 33 points above Montgomery County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Donnellson, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
About 24% of owner-occupied homes in Donnellson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Donnellson are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Donnellson - 72% - are primarily heated with natural gas.
FEMA rates Montgomery County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Montgomery County had 3 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $51,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 3 |
| 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)