Home Insurance in Leland, Illinois
The median home value in Leland is $186,800, 15% higher than the LaSalle County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Leland was built around 1951. About 53% of homes were built before 1960, about 6 points above LaSalle County's 47%.
Housing in Leland breaks down to 88% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 68% of owner-occupied homes in Leland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Leland has an owner-occupancy rate of 74% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Leland, 92% of homes are primarily heated with natural gas.
LaSalle County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. LaSalle County had 270 active NFIP flood policies as of September 2026. See the full LaSalle County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $186,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in LaSalle County | 270 |
| 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)