HomeInsuranceQts

Home Insurance in Shelbyville, Illinois

The median home value in Shelbyville is $116,400, 15% lower than the Shelby County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Shelbyville was built around 1950. About 63% of homes were built before 1960, about 19 points above Shelby County's 44%.

Housing in Shelbyville breaks down to 81% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Shelbyville, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 59% of occupied homes in Shelbyville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

64% of homes in Shelbyville are primarily heated with natural gas.

Shelby County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Shelby 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$116,400
Median year built1950
Owner-occupied share59%
Share of owner-occupied homes with a mortgage54%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Shelby County1
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Shelbyville, IL

Nearby towns

Sources

Data last updated: 2026-09-29