Home Insurance in Manlius, Illinois
With a median home value of $92,200, Manlius is 27% lower than the Bureau County median.
The typical home in Manlius was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 70% of homes were built before 1960, about 17 points above Bureau County's 52%.
The housing stock in Manlius is 88% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Manlius, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Manlius are owner-occupied.
Most homes in Manlius - 80% - are primarily heated with natural gas.
Bureau County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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 | $92,200 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)