Home Insurance in Cullom, Illinois
Homes in Cullom carry a median value of $100,800 - 29% lower than the Livingston County median.
The typical home in Cullom was built around 1954. About 63% of homes were built before 1960, about 14 points above Livingston County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cullom is 96% single-family homes.
47% of owner-occupied homes in Cullom carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Cullom are owner-occupied.
Most homes in Cullom - 85% - are primarily heated with natural gas.
Livingston County had 169 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
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 | $100,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)