Home Insurance in Table Grove, Illinois
Homes in Table Grove carry a median value of $75,500 - 30% lower than the Fulton County median.
The typical home in Table Grove was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 8 points above Fulton County's 50%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Table Grove is 84% single-family homes and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Table Grove, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Table Grove are owner-occupied.
Most homes in Table Grove - 74% - are primarily heated with natural gas.
Fulton County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $75,500 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)