Home Insurance in Macon, Illinois
The median home value in Macon is $108,600, 15% lower than the Macon County median.
The typical home in Macon was built around 1959. About 54% of homes were built before 1960, about 9 points above Macon County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Macon, the housing stock is 91% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 56% of owner-occupied homes in Macon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Macon are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Macon, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Macon? FEMA's National Risk Index points to earthquake (Relatively Low) in Macon County and 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 | $108,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)