Home Insurance in Middletown, Illinois
The median home value in Middletown is $60,000, 55% lower than the Logan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Middletown was built around 1949. About 57% of homes were built before 1960, about 13 points above Logan County's 44%.
The housing stock in Middletown is 98% single-family homes and 2% mobile or manufactured homes.
63% of owner-occupied homes in Middletown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Middletown are owner-occupied.
In Middletown, 80% 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $60,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)