Home Insurance in Nashville, Illinois
With a median home value of $156,500, Nashville is close to the Washington County median.
The typical home in Nashville was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 6 points above Washington County's 37%.
In Nashville, the housing stock is 89% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Nashville, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Nashville are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Nashville - 76% - are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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 | $156,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)