Home Insurance in Moultrie County, Illinois
The median home value in Moultrie County is $134,000, 49% lower than the Illinois median.
The typical home in Moultrie County was built around 1968. About 41% of homes were built before 1960, about 4 points above Illinois's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Moultrie County, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Moultrie County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Moultrie County has an owner-occupancy rate of 76% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 52% of homes in Moultrie County are primarily heated with natural gas.
Per FEMA's National Risk Index, Moultrie County's top hazards are earthquake (Relatively Low), hail (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Moultrie County had 35 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $134,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 35 |
| 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)