Home Insurance in Noble, Illinois
Homes in Noble carry a median value of $58,500 - 48% lower than the Richland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Noble was built around 1973. About 34% of homes were built before 1960, about 1 point above Richland County's 33%.
In Noble, the housing stock is 74% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Noble have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Noble has an owner-occupancy rate of 75% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Noble - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near Noble? FEMA's National Risk Index points to earthquake (Relatively Low) in Richland County and Richland County had 6 active NFIP flood policies as of September 2026. See the full Richland 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 | $58,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Richland County | 6 |
| 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)