Home Insurance in Belleville, Illinois
With a median home value of $141,300, Belleville is 22% lower than the St. Clair County median.
The typical home in Belleville was built around 1962. About 47% of homes were built before 1960, about 15 points above St. Clair County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Belleville, the housing stock is 71% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Belleville, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Belleville has an owner-occupancy rate of 60% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Belleville - 65% - are primarily heated with natural gas.
St. Clair County had 1,003 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full St. Clair 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 | $141,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in St. Clair County | 1,003 |
| 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)