Home Insurance in Orient, Illinois
Homes in Orient carry a median value of $49,800 - 44% lower than the Franklin County median.
The typical home in Orient was built around 1944. About 77% of homes were built before 1960, about 31 points above Franklin County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Orient is 90% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 31% of owner-occupied homes in Orient have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Orient has an owner-occupancy rate of 73% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Orient - 56% - are primarily heated with natural gas.
FEMA rates Franklin County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Franklin County had 53 active NFIP flood policies as of September 2026. See the full Franklin 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 | $49,800 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Franklin County | 53 |
| 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)