Home Insurance in Stonefort, Illinois
Homes in Stonefort carry a median value of $65,700 - 30% lower than the Saline County median.
The typical home in Stonefort was built around 1980. 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 Saline County (38%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stonefort is 58% single-family homes and 42% mobile or manufactured homes.
In Stonefort, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Stonefort are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Stonefort - 64% - are primarily heated with electricity.
Saline County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $65,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)