Home Insurance in Winchester, Illinois
Homes in Winchester carry a median value of $93,900 - close to the Scott County median.
The typical home in Winchester was built around 1960. About 50% of homes were built before 1960, about 4 points above Scott County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Winchester is 76% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in Winchester have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Winchester has an owner-occupancy rate of 64% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Winchester - 67% - are primarily heated with natural gas.
FEMA rates Scott County's overall risk as Very Low, led by earthquake (Very Low). Scott County had 29 active NFIP flood policies as of September 2026. 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.
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 home value | $93,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)