Home Insurance in Broughton, Illinois
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Broughton was built around 1964. About 45% of homes were built before 1960, about 1 point above Hamilton County's 44%.
The housing stock in Broughton is 71% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Broughton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Broughton has an owner-occupancy rate of 81% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Broughton, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Broughton? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Hamilton County and Hamilton County has no active NFIP flood policies on file. See the full Hamilton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median year built | 1964 |
|---|---|
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Moderate) |
| 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)