Home Insurance in Campus, Illinois
The median home value in Campus is $152,200, 7% higher than the Livingston County median.
The typical home in Campus was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, in line with Livingston County (49%).
The housing stock in Campus is 91% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Campus, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Campus has an owner-occupancy rate of 83% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Campus, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Campus? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Livingston County and Livingston County had 169 active NFIP flood policies as of September 2026. See the full Livingston 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 | $152,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Livingston County | 169 |
| 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)