Home Insurance in Mapleton, Illinois
With a median home value of $106,300, Mapleton is 33% lower than the Peoria County median.
The typical home in Mapleton was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 5 points above Peoria County's 42%.
The housing stock in Mapleton is 91% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Mapleton, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Mapleton are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 80% of homes in Mapleton are primarily heated with natural gas.
Peoria County had 363 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Peoria County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $106,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Peoria County | 363 |
| 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)