Home Insurance in Menard County, Illinois
Homes in Menard County carry a median value of $185,500 - 30% lower than the Illinois median.
The typical home in Menard County was built around 1976. About 32% of homes were built before 1960, about 6 points below Illinois's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Menard County breaks down to 89% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Menard County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Menard County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Menard County - 65% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Low) as the leading hazards for Menard County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Menard County has 10 active NFIP flood policies on file.
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 | $185,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)