Home Insurance in Raleigh, Illinois
The median home value in Raleigh is $80,000, 15% lower than the Saline County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Raleigh was built around 1966. About 40% of homes were built before 1960, about 2 points above Saline County's 38%.
In Raleigh, the housing stock is 73% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Raleigh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Raleigh are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Raleigh - 59% - 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.
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 home value | $80,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)