Home Insurance in Easton, Illinois
With a median home value of $81,700, Easton is 21% lower than the Mason County median.
The typical home in Easton was built around 1942. About 69% of homes were built before 1960, about 18 points above Mason County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Easton, the housing stock is 94% single-family homes and 3% mobile or manufactured homes.
About 40% of owner-occupied homes in Easton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Easton has an owner-occupancy rate of 80% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Easton, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Easton? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Mason County and Mason County had 45 active NFIP flood policies as of September 2026. See the full Mason County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $81,700 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mason County | 45 |
| 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)