Home Insurance in Carterville, Illinois
Homes in Carterville carry a median value of $197,100 - 26% higher than the Williamson County median.
The typical home in Carterville was built around 1986. About 18% of homes were built before 1960, about 8 points below Williamson County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Carterville is 75% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Carterville, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Carterville has an owner-occupancy rate of 60% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Carterville, 71% of homes are primarily heated with electricity.
Williamson County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Williamson County had 158 active NFIP flood policies as of September 2026. See the full Williamson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $197,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Williamson County | 158 |
| 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)