Home Insurance in De Land, Illinois
With a median home value of $87,000, De Land is 52% lower than the Piatt County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in De Land was built around 1950. About 58% of homes were built before 1960, about 25 points above Piatt County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in De Land is 78% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
60% of owner-occupied homes in De Land carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in De Land are owner-occupied.
Most homes in De Land - 74% - are primarily heated with natural gas.
Piatt County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $87,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)