Home Insurance in Williamson County, Illinois
Homes in Williamson County carry a median value of $156,400 - 41% lower than the Illinois median.
The typical home in Williamson County was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 11 points below Illinois's 38%.
The housing stock in Williamson County is 76% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Williamson 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 71% of occupied homes in Williamson County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Williamson County, 64% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Williamson County's top hazards are strong wind (Very High), earthquake (Relatively Moderate) and winter weather (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Williamson County had 158 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $156,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Earthquake (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 158 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bush
- Cambria
- Carterville
- Colp
- Crainville
- Creal Springs
- Energy
- Freeman Spur
- Johnston City
- Marion
- Pittsburg
- Spillertown
Smaller communities
-
Herrin
- Median home value: $113,300
- Median year built: 1969
- Owner-occupied share: 66%
-
Hurst
- Median home value: $68,600
- Median year built: 1968
- Owner-occupied share: 53%
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)