Home Insurance in Ruma, Illinois
Homes in Ruma carry a median value of $125,600 - 7% lower than the Randolph County median.
The typical home in Ruma was built around 1978. About 33% of homes were built before 1960, about 4 points below Randolph County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ruma, the housing stock is 74% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Ruma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Ruma are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ruma, 56% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Randolph County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Randolph County had 141 active NFIP flood policies as of September 2026. See the full Randolph 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 | $125,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Randolph County | 141 |
| 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)