Home Insurance in Malta, Illinois
Homes in Malta carry a median value of $180,300 - 26% lower than the DeKalb County median.
The typical home in Malta was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 16 points above DeKalb County's 25%.
In Malta, the housing stock is 85% single-family homes and 8% apartments in buildings with 5+ units.
About 77% of owner-occupied homes in Malta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Malta are owner-occupied.
In Malta, 81% of homes are primarily heated with natural gas.
DeKalb County had 166 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full DeKalb County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $180,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in DeKalb County | 166 |
| 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)