Home Insurance in Creal Springs, Illinois
The median home value in Creal Springs is $55,800, 64% lower than the Williamson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Creal Springs was built around 1954. About 65% of homes were built before 1960, about 39 points above Williamson County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Creal Springs is 80% single-family homes and 20% mobile or manufactured homes.
About 46% of owner-occupied homes in Creal Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Creal Springs has an owner-occupancy rate of 76% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Creal Springs, 64% of homes are primarily heated with natural gas.
Williamson County had 158 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Williamson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $55,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)