Home Insurance in Okawville, Illinois
The median home value in Okawville is $160,700, close to the Washington County median.
The typical home in Okawville was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 8 points above Washington County's 37%.
In Okawville, the housing stock is 89% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Okawville, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Okawville has an owner-occupancy rate of 83% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Okawville, 60% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Okawville? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Washington County and 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.
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 | $160,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)