Home Insurance in Stewardson, Illinois
With a median home value of $109,500, Stewardson is 20% lower than the Shelby County median.
The typical home in Stewardson was built around 1965. About 42% of homes were built before 1960, about 2 points below Shelby County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stewardson is 84% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 45% of owner-occupied homes in Stewardson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stewardson has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Stewardson, 72% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Stewardson? FEMA's National Risk Index points to earthquake (Relatively Low) in Shelby County and Shelby County had 1 active NFIP flood policy as of September 2026. 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.
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 | $109,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Shelby County | 1 |
| 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)