Home Insurance in Mansfield, Illinois
The median home value in Mansfield is $142,200, 21% 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 Mansfield was built around 1965. About 43% of homes were built before 1960, about 10 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 Mansfield is 88% single-family homes and 5% mobile or manufactured homes.
About 56% of owner-occupied homes in Mansfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Mansfield are owner-occupied.
In Mansfield, 86% of homes are primarily heated with natural gas.
FEMA rates Piatt County's overall risk as Very Low, led by earthquake (Relatively Low). 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.
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 | $142,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)