Home Insurance in Ashley, Illinois
With a median home value of $82,500, Ashley is 47% lower than the Washington County median.
The typical home in Ashley was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 56% of homes were built before 1960, about 19 points above Washington County's 37%.
In Ashley, the housing stock is 76% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ashley, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ashley has an owner-occupancy rate of 75% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Ashley - 56% - are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Washington County had 7 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $82,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Washington County | 7 |
| 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)