Home Insurance in Bulpitt, Illinois
Homes in Bulpitt carry a median value of $78,300 - 32% lower than the Christian County median.
The median home in Bulpitt was built in 1939 or earlier. About 61% of homes were built before 1960, about 14 points above Christian County's 47%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Bulpitt breaks down to 98% single-family homes and 1% mobile or manufactured homes.
78% of owner-occupied homes in Bulpitt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Bulpitt are owner-occupied.
Most homes in Bulpitt - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bulpitt? FEMA's National Risk Index points to earthquake (Relatively Low) in Christian County and Christian County had 18 active NFIP flood policies as of September 2026. See the full Christian County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $78,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Christian County | 18 |
| 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)