Home Insurance in Washington, Illinois
With a median home value of $221,900, Washington is 32% higher than the Tazewell County median.
The typical home in Washington was built around 1978. About 27% of homes were built before 1960, about 10 points below Tazewell County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Washington breaks down to 85% single-family homes and 11% apartments in buildings with 5+ units.
67% of owner-occupied homes in Washington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Washington has an owner-occupancy rate of 80% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Washington - 79% - are primarily heated with natural gas.
Tazewell County had 213 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Tazewell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $221,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Tazewell County | 213 |
| 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)