Home Insurance in Freeman Spur, Illinois
With a median home value of $60,600, Freeman Spur is 61% lower than the Williamson County median.
The typical home in Freeman Spur was built around 1961. About 49% of homes were built before 1960, about 23 points above 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 Freeman Spur is 82% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Freeman Spur, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Freeman Spur has an owner-occupancy rate of 94% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Freeman Spur - 58% - are primarily heated with natural gas.
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.
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 | $60,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)