Home Insurance in Hume, Illinois
With a median home value of $78,000, Hume is 20% lower than the Edgar County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hume was built around 1957. About 59% of homes were built before 1960, about 13 points above Edgar County's 46%.
The housing stock in Hume is 92% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
42% of owner-occupied homes in Hume carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Hume are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hume, 86% of homes are primarily heated with natural gas.
FEMA rates Edgar County's overall risk as Very Low, led by earthquake (Relatively Low). Edgar County had 9 active NFIP flood policies as of September 2026. See the full Edgar County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $78,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Edgar County | 9 |
| 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)