Home Insurance in Humboldt, Illinois
The median home value in Humboldt is $81,500, 36% lower than the Coles County median.
The typical home in Humboldt was built around 1971. About 30% of homes were built before 1960, about 10 points below Coles County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Humboldt, the housing stock is 82% single-family homes, 3% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Humboldt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Humboldt has an owner-occupancy rate of 80% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Humboldt, 70% of homes are primarily heated with natural gas.
FEMA rates Coles County's overall risk as Relatively Low, led by earthquake (Relatively Low). Coles County had 59 active NFIP flood policies as of September 2026. See the full Coles 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 | $81,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Coles County | 59 |
| 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)