Home Insurance in Ladd, Illinois
With a median home value of $129,600, Ladd is close to the Bureau County median.
The typical home in Ladd was built around 1956. About 58% of homes were built before 1960, about 6 points above Bureau County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ladd is 82% single-family homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Ladd have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Ladd are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ladd - 92% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ladd? FEMA's National Risk Index points to tornado (Relatively Moderate) in Bureau County and Bureau County had 60 active NFIP flood policies as of September 2026. See the full Bureau County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $129,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Bureau County | 60 |
| 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)