Home Insurance in Tuscola, Illinois
The median home value in Tuscola is $154,300, close to the Douglas County median.
The typical home in Tuscola was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 9 points above Douglas County's 41%.
The housing stock in Tuscola is 89% single-family homes, 4% 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 64% of owner-occupied homes in Tuscola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tuscola has an owner-occupancy rate of 73% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Tuscola - 57% - are primarily heated with natural gas.
FEMA rates Douglas County's overall risk as Relatively Low, led by hail (Relatively High). Douglas County had 96 active NFIP flood policies as of September 2026. See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $154,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Douglas County | 96 |
| 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)