Home Insurance in Millington, Illinois
The median home value in Millington is $230,700, 42% higher than the LaSalle County median.
The typical home in Millington was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 11 points below LaSalle County's 47%.
In Millington, the housing stock is 93% single-family homes and 3% mobile or manufactured homes.
In Millington, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Millington has an owner-occupancy rate of 92% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Millington - 97% - are primarily heated with natural gas.
What's the biggest home insurance risk near Millington? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in LaSalle County and 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.
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 | $230,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)