Home Insurance in Seaton, Illinois
The median home value in Seaton is $109,200, 26% lower than the Mercer County median.
The median home in Seaton was built in 1939 or earlier. About 74% of homes were built before 1960, about 26 points above Mercer County's 48%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Seaton breaks down to 100% single-family homes.
In Seaton, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Seaton are owner-occupied.
Most homes in Seaton - 91% - are primarily heated with natural gas.
Mercer County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Mercer County had 18 active NFIP flood policies as of September 2026. See the full Mercer County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $109,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mercer County | 18 |
| 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)