Home Insurance in Crainville, Illinois
With a median home value of $185,300, Crainville is 18% higher than the Williamson County median.
The typical home in Crainville was built around 1988. About 13% of homes were built before 1960, about 13 points below Williamson County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Crainville is 76% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Crainville, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crainville has an owner-occupancy rate of 69% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Crainville, 77% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Crainville? FEMA's National Risk Index points to strong wind (Very High) in Williamson County and 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 | $185,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)