Home Insurance in Ohlman, Illinois
Homes in Ohlman carry a median value of $46,200 - 59% lower than the Montgomery County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ohlman was built around 1941. About 73% of homes were built before 1960, about 27 points above Montgomery County's 46%.
Housing in Ohlman breaks down to 100% single-family homes.
34% of owner-occupied homes in Ohlman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 98% of occupied homes in Ohlman are owner-occupied.
Most homes in Ohlman - 98% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ohlman? 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 | $46,200 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)