Home Insurance in Mineral, Illinois
The median home value in Mineral is $79,300, 38% lower than the Bureau County median.
The typical home in Mineral was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 8 points above Bureau County's 52%.
In Mineral, the housing stock is 96% single-family homes.
In Mineral, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Mineral are owner-occupied.
85% of homes in Mineral are primarily heated with natural gas.
What's the biggest home insurance risk near Mineral? 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.
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 | $79,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)