Home Insurance in Bethany, Illinois
Homes in Bethany carry a median value of $106,200 - 21% lower than the Moultrie County median.
The typical home in Bethany was built around 1964. About 45% of homes were built before 1960, about 4 points above Moultrie County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bethany is 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Bethany, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Bethany are owner-occupied.
In Bethany, 81% of homes are primarily heated with natural gas.
Moultrie County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Moultrie County had 35 active NFIP flood policies as of September 2026. See the full Moultrie County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $106,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Moultrie County | 35 |
| 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)