Home Insurance in Avon, Illinois
The median home value in Avon is $62,200, 42% lower than the Fulton County median.
The typical home in Avon was built around 1947. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 66% of homes were built before 1960, about 16 points above Fulton County's 50%.
The housing stock in Avon is 86% single-family homes, 3% 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 45% of owner-occupied homes in Avon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Avon are owner-occupied.
85% of homes in Avon are primarily heated with natural gas.
FEMA rates Fulton County's overall risk as Relatively Low, led by hail (Relatively Moderate). Fulton County had 28 active NFIP flood policies as of September 2026. See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $62,200 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Fulton County | 28 |
| 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)