Home Insurance in Norris, Illinois
The median home value in Norris is $63,100, 41% lower than the Fulton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Norris was built around 1953. About 63% of homes were built before 1960, about 13 points above Fulton County's 50%.
The housing stock in Norris is 97% single-family homes and 3% mobile or manufactured homes.
In Norris, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Norris are owner-occupied.
Most homes in Norris - 94% - 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 home value | $63,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)