Home Insurance in Energy, Illinois
With a median home value of $151,800, Energy is close to the Williamson County median.
The typical home in Energy was built around 1976. About 15% of homes were built before 1960, about 11 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 Energy is 81% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Energy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Energy are owner-occupied.
In Energy, 70% of homes are primarily heated with electricity.
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.
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 | $151,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 82% |
| 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)