Home Insurance in Tilden, Illinois
Homes in Tilden carry a median value of $70,300 - 48% lower than the Randolph County median.
The typical home in Tilden was built around 1967. About 44% of homes were built before 1960, about 7 points above Randolph County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Tilden is 67% single-family homes and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tilden, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tilden has an owner-occupancy rate of 70% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Tilden, 74% of homes are primarily heated with natural gas.
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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $70,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)