Home Insurance in Christian County, Illinois
With a median home value of $115,500, Christian County is 56% lower than the Illinois median.
The typical home in Christian County was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 9 points above Illinois's 38%.
The housing stock in Christian County is 86% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Christian County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Christian County are owner-occupied.
Most homes in Christian County - 69% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Christian County's top hazards are earthquake (Relatively Low), hail (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Christian County had 18 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $115,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 18 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Assumption
- Bulpitt
- Edinburg
- Jeisyville
- Kincaid
- Morrisonville
- Mount Auburn
- Owaneco
- Palmer
- Pana
- Stonington
- Taylorville
- Tovey
Sources
- 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)