Home Insurance in De Witt, Illinois
The median home value in De Witt is $96,600, 26% lower than the De Witt County median.
The typical home in De Witt was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 4 points below De Witt County's 52%.
In De Witt, the housing stock is 64% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 79% of owner-occupied homes in De Witt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in De Witt are owner-occupied.
Most homes in De Witt - 98% - are primarily heated with natural gas.
De Witt County had 31 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full De Witt 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 | $96,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in De Witt County | 31 |
| 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)