Home Insurance in Mount Zion, Illinois
With a median home value of $201,100, Mount Zion is 58% higher than the Macon County median.
The typical home in Mount Zion was built around 1979. About 11% of homes were built before 1960, about 34 points below Macon County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Mount Zion breaks down to 84% single-family homes and 11% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Mount Zion have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mount Zion has an owner-occupancy rate of 81% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Mount Zion, 70% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mount Zion? 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.
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 | $201,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)