Home Insurance in Sciota, Illinois
The median home value in Sciota is $106,600, close to the McDonough County median.
The typical home in Sciota was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 100% of homes were built before 1960, about 57 points above McDonough County's 43%.
Housing in Sciota breaks down to 100% single-family homes.
About 80% of owner-occupied homes in Sciota have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Sciota are owner-occupied.
Most homes in Sciota - 97% - are primarily heated with natural gas.
McDonough County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. McDonough County had 8 active NFIP flood policies as of September 2026. See the full McDonough 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 | $106,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in McDonough County | 8 |
| 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)