Home Insurance in Wapella, Illinois
Homes in Wapella carry a median value of $98,500 - 24% lower than the De Witt County median.
The typical home in Wapella was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 16 points below De Witt County's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wapella is 92% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 61% of owner-occupied homes in Wapella have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wapella has an owner-occupancy rate of 90% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
84% of homes in Wapella 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $98,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)