Home Insurance in Standard, Illinois
With a median home value of $108,100, Standard is 37% lower than the Putnam County median.
The typical home in Standard was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 11 points above Putnam County's 35%.
Housing in Standard breaks down to 93% single-family homes.
44% of owner-occupied homes in Standard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Standard are owner-occupied.
Most homes in Standard - 86% - are primarily heated with natural gas.
Putnam County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Low). See the full Putnam 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 | $108,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Strong Wind (Relatively Low) |
| Active NFIP policies in Putnam County | 11 |
| 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)