Home Insurance in Logan County, Illinois
Homes in Logan County carry a median value of $134,400 - 49% lower than the Illinois median.
The typical home in Logan County was built around 1964. About 44% of homes were built before 1960, about 6 points above Illinois's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Logan County is 83% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Logan County, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Logan County has an owner-occupancy rate of 68% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Logan County - 65% - are primarily heated with natural gas.
The top hazards for Logan County, per FEMA's National Risk Index, are strong wind (Relatively High), earthquake (Relatively Low) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Logan County has 50 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $134,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Earthquake (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 50 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)