Home Insurance in Ullin, Illinois
The median home value in Ullin is $58,600, 31% lower than the Pulaski County median.
The typical home in Ullin was built around 1963. About 48% of homes were built before 1960, about 13 points above Pulaski County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ullin, the housing stock is 42% single-family homes, 15% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Ullin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Ullin are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Ullin - 63% - are primarily heated with natural gas.
FEMA rates Pulaski County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Pulaski County had 24 active NFIP flood policies as of September 2026. See the full Pulaski 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 | $58,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Pulaski County | 24 |
| 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)