Home Insurance in Pittsburg, Illinois
Homes in Pittsburg carry a median value of $129,200 - 17% lower than the Williamson County median.
The typical home in Pittsburg was built around 1963. About 47% of homes were built before 1960, about 21 points above Williamson County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pittsburg is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pittsburg, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pittsburg has an owner-occupancy rate of 75% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Pittsburg, 52% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Pittsburg? 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.
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 | $129,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)