Home Insurance in Oakdale, Illinois
The median home value in Oakdale is $98,300, 37% lower than the Washington County median.
The typical home in Oakdale was built around 1964. About 46% of homes were built before 1960, about 9 points above Washington County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Oakdale, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Oakdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oakdale has an owner-occupancy rate of 94% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Oakdale - 78% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Washington County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $98,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)