Home Insurance in Washington Park, Illinois
With a median home value of $37,500, Washington Park is 79% lower than the St. Clair County median.
The typical home in Washington Park was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 29 points above St. Clair County's 32%.
In Washington Park, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Washington Park, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Washington Park has an owner-occupancy rate of 85% and a vacancy rate of 58%; unoccupied homes typically need a different coverage form.
Most homes in Washington Park - 76% - are primarily heated with natural gas.
FEMA rates St. Clair County's overall risk as Relatively High, led by earthquake (Relatively Moderate). 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.
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 | $37,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)