Home Insurance in Shiloh, Illinois
The median home value in Shiloh is $274,000, 52% higher than the St. Clair County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Shiloh was built around 2000. About 5% of homes were built before 1960, about 27 points below St. Clair County's 32%.
In Shiloh, the housing stock is 74% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Shiloh, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Shiloh has an owner-occupancy rate of 63% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Shiloh - 53% - are primarily heated with natural gas.
St. Clair County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. St. Clair County had 1,003 active NFIP flood policies as of September 2026. 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.
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 | $274,000 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)