Home Insurance in Sublette, Illinois
Homes in Sublette carry a median value of $138,300 - 11% lower than the Lee County median.
The typical home in Sublette was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 15 points below Lee County's 50%.
The housing stock in Sublette is 63% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Sublette carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sublette has an owner-occupancy rate of 69% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Sublette, 57% of homes are primarily heated with natural gas.
Lee County had 104 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Lee 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 | $138,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lee County | 104 |
| 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)