Home Insurance in Muddy, Illinois
The typical home in Muddy was built around 1952. About 81% of homes were built before 1960, about 43 points above Saline County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Muddy, the housing stock is 100% single-family homes.
8% of owner-occupied homes in Muddy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Muddy has an owner-occupancy rate of 52% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Muddy, 74% of homes are primarily heated with natural gas.
FEMA rates Saline County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Saline County had 113 active NFIP flood policies as of September 2026. See the full Saline 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 year built | 1952 |
|---|---|
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Saline County | 113 |
| 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)