Home Insurance in Decatur, Illinois
Homes in Decatur carry a median value of $99,600 - 22% lower than the Macon County median.
The typical home in Decatur was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 6 points above Macon County's 45%.
The housing stock in Decatur is 76% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
51% of owner-occupied homes in Decatur carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Decatur has an owner-occupancy rate of 63% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Decatur - 77% - are primarily heated with natural gas.
Macon County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Macon County had 96 active NFIP flood policies as of September 2026. See the full Macon County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $99,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Macon County | 96 |
| 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)