Home Insurance in Sparta, Illinois
With a median home value of $111,200, Sparta is 18% lower than the Randolph County median.
The typical home in Sparta was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 1 point below Randolph County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sparta is 60% single-family homes, 9% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Sparta, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sparta has an owner-occupancy rate of 58% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
49% of homes in Sparta are primarily heated with natural gas.
Randolph County had 141 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $111,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)