Home Insurance in Cisco, Illinois
The median home value in Cisco is $113,100, 37% lower than the Piatt County median.
The typical home in Cisco was built around 1945. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 67% of homes were built before 1960, about 34 points above Piatt County's 33%.
The housing stock in Cisco is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Cisco have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cisco has an owner-occupancy rate of 76% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Cisco, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Cisco? FEMA's National Risk Index points to earthquake (Relatively Low) in Piatt County and Piatt County had 33 active NFIP flood policies as of September 2026. See the full Piatt 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 | $113,100 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Piatt County | 33 |
| 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)