Home Insurance in Westville, Illinois
The median home value in Westville is $100,000, close to the Vermilion County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Westville was built around 1946. About 64% of homes were built before 1960, about 11 points above Vermilion County's 53%.
The housing stock in Westville is 93% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Westville, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Westville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Westville - 74% - are primarily heated with natural gas.
FEMA rates Vermilion County's overall risk as Relatively Low, led by winter weather (Relatively High). Vermilion County had 48 active NFIP flood policies as of September 2026. See the full Vermilion County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $100,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Vermilion County | 48 |
| 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)