Home Insurance in Pleasant Hill, Illinois
With a median home value of $78,200, Pleasant Hill is 23% lower than the Pike County median.
The typical home in Pleasant Hill was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 6 points below Pike County's 49%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pleasant Hill is 76% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Pleasant Hill, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Pleasant Hill are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pleasant Hill, 66% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Pleasant Hill? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Pike County and Pike County had 116 active NFIP flood policies as of September 2026. See the full Pike County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $78,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)