HomeInsuranceQts

Home Insurance in Mount Sterling, Illinois

Homes in Mount Sterling carry a median value of $131,200 - 13% lower than the Brown County median.

The typical home in Mount Sterling was built around 1969. About 43% of homes were built before 1960, about 7 points below Brown County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

In Mount Sterling, the housing stock is 69% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

In Mount Sterling, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Mount Sterling has an owner-occupancy rate of 51% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.

In Mount Sterling, 48% of homes are primarily heated with natural gas.

Brown County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very Low). See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.

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$131,200
Median year built1969
Owner-occupied share51%
Share of owner-occupied homes with a mortgage69%
Top county hazardEarthquake (Very Low)
Active NFIP policies in Brown County4
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Mount Sterling, IL

Nearby towns

Sources

Data last updated: 2026-09-29