Home Insurance in Fulton County, Illinois
With a median home value of $107,200, Fulton County is 59% lower than the Illinois median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fulton County was built around 1960. About 50% of homes were built before 1960, about 12 points above Illinois's 38%.
The housing stock in Fulton County is 88% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 47% of owner-occupied homes in Fulton County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fulton County has an owner-occupancy rate of 77% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fulton County, 62% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Fulton County's top hazards are hail (Relatively Moderate), earthquake (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Fulton County has 28 active NFIP flood policies on file.
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 | $107,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 28 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Astoria
- Avon
- Banner
- Bryant
- Canton
- Cuba
- Dunfermline
- Ellisville
- Fairview
- Farmington
- Ipava
- Lewistown
- Liverpool
- London Mills
- Marietta
- Norris
- Smithfield
- St. David
- Table Grove
- Vermont
Sources
- 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)