Home Insurance in Liverpool, Illinois
The median home in Liverpool was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 82% of homes were built before 1960, about 32 points above Fulton County's 50%.
In Liverpool, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 23% of owner-occupied homes in Liverpool have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Liverpool are owner-occupied. The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Liverpool are primarily heated with natural gas.
Fulton County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)