Home Insurance in Taylorville, Illinois
The median home value in Taylorville is $104,100, 10% lower than the Christian County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Taylorville was built around 1965. About 42% of homes were built before 1960, about 5 points below Christian County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Taylorville is 80% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Taylorville, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Taylorville are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Taylorville - 75% - are primarily heated with natural gas.
Christian County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $104,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)