Home Insurance in Longview, Illinois
Homes in Longview carry a median value of $63,300 - 70% lower than the Champaign County median.
The median home in Longview was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 35 points above Champaign County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Longview is 87% single-family homes and 13% mobile or manufactured homes.
In Longview, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Longview has an owner-occupancy rate of 88% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 84% of homes in Longview are primarily heated with natural gas.
Champaign County had 217 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Champaign 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 | $63,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Champaign County | 217 |
| 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)