Home Insurance in Long Point, Illinois
With a median home value of $91,500, Long Point is 36% lower than the Livingston County median.
The median home in Long Point was built in 1939 or earlier. About 87% of homes were built before 1960, about 39 points above Livingston County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Long Point, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
In Long Point, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Long Point are owner-occupied.
Most homes in Long Point - 100% - are primarily heated with natural gas.
What's the biggest home insurance risk near Long Point? 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 | $91,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)