Home Insurance in Washington County, Illinois
With a median home value of $155,700, Washington County is 41% lower than the Illinois median.
The typical home in Washington County was built around 1972. About 37% of homes were built before 1960, in line with Illinois (38%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Washington County, the housing stock is 88% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Washington County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Washington County are owner-occupied.
37% of homes in Washington County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Washington County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), strong wind (Relatively Moderate) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Washington County has 7 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $155,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Addieville
- Ashley
- Du Bois
- Hoyleton
- Irvington
- Nashville
- New Minden
- Oakdale
- Okawville
- Radom
- Richview
- Venedy
- Wamac
Sources
- 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)