Home Insurance in Valier, Illinois
The median home value in Valier is $80,100, 10% lower than the Franklin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Valier was built around 1947. About 59% of homes were built before 1960, about 13 points above Franklin County's 47%.
In Valier, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
40% of owner-occupied homes in Valier carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Valier are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Valier, 69% of homes are primarily heated with natural gas.
Franklin County had 53 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $80,100 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)