Home Insurance in Weldon, Illinois
The median home value in Weldon is $100,000, 23% lower than the De Witt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Weldon was built around 1957. About 57% of homes were built before 1960, about 5 points above De Witt County's 52%.
The housing stock in Weldon is 95% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Weldon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Weldon are owner-occupied.
91% of homes in Weldon are primarily heated with natural gas.
What's the biggest home insurance risk near Weldon? FEMA's National Risk Index points to earthquake (Relatively Low) in De Witt County and De Witt County had 31 active NFIP flood policies as of September 2026. 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 | $100,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)