Home Insurance in Sullivan, Illinois
Homes in Sullivan carry a median value of $102,500 - 24% lower than the Moultrie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sullivan was built around 1961. About 49% of homes were built before 1960, about 7 points above Moultrie County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sullivan is 76% single-family homes, 10% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 54% of owner-occupied homes in Sullivan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Sullivan are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Sullivan 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.
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 | $102,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)