Home Insurance in Dalton City, Illinois
With a median home value of $103,600, Dalton City is 23% lower than the Moultrie County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dalton City was built around 1957. About 54% of homes were built before 1960, about 13 points above Moultrie County's 41%.
In Dalton City, the housing stock is 91% single-family homes and 9% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Dalton City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dalton City has an owner-occupancy rate of 76% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Dalton City - 91% - are primarily heated with natural gas.
Moultrie County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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 | $103,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)