Home Insurance in Saline County, Illinois
The median home value in Saline County is $94,300, 64% lower than the Illinois median.
The typical home in Saline County was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, in line with Illinois (38%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Saline County is 75% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
40% of owner-occupied homes in Saline County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Saline County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Saline County - 51% - 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.
The top hazards for Saline County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), strong wind (Relatively High) and winter weather (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Saline County has 113 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $94,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively High), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 113 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)