Home Insurance in Germantown Hills, Illinois
Homes in Germantown Hills carry a median value of $264,900 - 34% higher than the Woodford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Germantown Hills was built around 2001. About 8% of homes were built before 1960, about 28 points below Woodford County's 36%.
In Germantown Hills, the housing stock is 95% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Germantown Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Germantown Hills are owner-occupied.
81% of homes in Germantown Hills are primarily heated with natural gas.
Woodford County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Woodford County had 104 active NFIP flood policies as of September 2026. See the full Woodford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $264,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Woodford County | 104 |
| 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)