Home Insurance in Macon County, Illinois
The median home value in Macon County is $127,300, 52% lower than the Illinois median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Macon County was built around 1964. About 45% of homes were built before 1960, about 7 points above Illinois's 38%.
Housing in Macon County breaks down to 81% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Macon County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Macon County has an owner-occupancy rate of 70% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
74% of homes in Macon County are primarily heated with natural gas.
Per FEMA's National Risk Index, Macon County's top hazards are earthquake (Relatively Low), strong wind (Relatively High) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Macon County has 96 active NFIP flood policies on file.
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 | $127,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 96 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Argenta
- Blue Mound
- Decatur
- Forsyth
- Harristown
- Long Creek
- Macon
- Maroa
- Mount Zion
- Niantic
- Oreana
- Warrensburg
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)