Home Insurance in Columbus, Illinois
With a median home value of $111,400, Columbus is 31% lower than the Adams County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Columbus was built around 1971. About 26% of homes were built before 1960, about 18 points below Adams County's 44%.
In Columbus, the housing stock is 90% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Columbus, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Columbus are owner-occupied.
86% of homes in Columbus are primarily heated with natural gas.
FEMA rates Adams County's overall risk as Relatively Low, led by strong wind (Relatively High). Adams County had 112 active NFIP flood policies as of September 2026. See the full Adams 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 | $111,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Adams County | 112 |
| 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)