Home Insurance in Manchester, Illinois
The median home value in Manchester is $90,300, 6% lower than the Scott County median.
The typical home in Manchester was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 13 points above Scott County's 46%.
The housing stock in Manchester is 85% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Manchester, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Manchester has an owner-occupancy rate of 93% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Manchester, 88% of homes are primarily heated with natural gas.
Scott County had 29 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very Low). See the full Scott 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 | $90,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Scott County | 29 |
| 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)