Home Insurance in Stonington, Illinois
The median home value in Stonington is $106,100, 8% lower than the Christian County median.
The median home in Stonington was built in 1939 or earlier. About 65% of homes were built before 1960, about 18 points above Christian County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stonington is 88% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 45% of owner-occupied homes in Stonington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stonington has an owner-occupancy rate of 79% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
98% of homes in Stonington are primarily heated with natural gas.
Christian County had 18 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
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 | $106,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)