Home Insurance in Fillmore, Illinois
Homes in Fillmore carry a median value of $66,400 - 41% lower than the Montgomery County median.
The typical home in Fillmore was built around 1947. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 19 points above Montgomery County's 46%.
In Fillmore, the housing stock is 76% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Fillmore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fillmore has an owner-occupancy rate of 80% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Fillmore - 57% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Fillmore? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Montgomery County and Montgomery County had 3 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $66,400 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 3 |
| 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)