Home Insurance in Baylis, Illinois
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Baylis was built in 1939 or earlier. About 82% of homes were built before 1960, about 33 points above Pike County's 49%.
The housing stock in Baylis is 90% single-family homes. The rest are 2-4 unit or other housing types.
35% of owner-occupied homes in Baylis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Baylis are owner-occupied.
Most homes in Baylis - 67% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pike County had 116 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Pike 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Pike County | 116 |
| 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)