Home Insurance in Mount Pulaski, Illinois
With a median home value of $110,500, Mount Pulaski is 18% 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 Mount Pulaski was built around 1947. About 70% of homes were built before 1960, about 27 points above Logan County's 44%.
Housing in Mount Pulaski breaks down to 91% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Mount Pulaski, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Mount Pulaski are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mount Pulaski - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Mount Pulaski? FEMA's National Risk Index points to strong wind (Relatively High) in Logan County and 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 | $110,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)