Home Insurance in Manito, Illinois
The median home value in Manito is $112,600, 9% higher than the Mason County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Manito was built around 1966. About 41% of homes were built before 1960, about 10 points below Mason County's 51%.
In Manito, the housing stock is 91% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 59% of owner-occupied homes in Manito have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Manito has an owner-occupancy rate of 82% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
82% of homes in Manito are primarily heated with natural gas.
What's the biggest home insurance risk near Manito? 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 | $112,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)