Home Insurance in Pinckneyville, Illinois
With a median home value of $133,500, Pinckneyville is 19% higher than the Perry County median.
The typical home in Pinckneyville was built around 1970. About 40% of homes were built before 1960, about 5 points above Perry County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pinckneyville is 73% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Pinckneyville, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pinckneyville has an owner-occupancy rate of 84% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
57% of homes in Pinckneyville are primarily heated with natural gas.
FEMA rates Perry County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Perry County had 11 active NFIP flood policies as of September 2026. See the full Perry County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $133,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Perry County | 11 |
| 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)