Home Insurance in Atlanta, Illinois
Homes in Atlanta carry a median value of $134,400 - close to the Logan County median.
The typical home in Atlanta was built around 1959. About 51% of homes were built before 1960, about 8 points above Logan County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Atlanta, the housing stock is 91% single-family homes and 2% apartments in buildings with 5+ units.
73% of owner-occupied homes in Atlanta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Atlanta are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Atlanta, 85% of homes are primarily heated with natural gas.
FEMA rates Logan County's overall risk as Relatively Low, led by strong wind (Relatively High). Logan County had 50 active NFIP flood policies as of September 2026. See the full Logan 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 | $134,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Logan County | 50 |
| 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)