Home Insurance in Sangamon County, Illinois
With a median home value of $176,300, Sangamon County is 33% lower than the Illinois median.
The typical home in Sangamon County was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 6 points below Illinois's 38%.
The housing stock in Sangamon County is 79% single-family homes, 12% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Sangamon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sangamon County has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Sangamon County - 73% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Sangamon County's top hazards are tornado (Relatively High), hail (Relatively High) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sangamon County has 185 active NFIP flood policies on file.
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 | $176,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 185 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Auburn
- Berlin
- Buffalo
- Cantrall
- Chatham
- Curran
- Dawson
- Divernon
- Grandview
- Illiopolis
- Jerome
- Leland Grove
- Loami
- Mechanicsburg
- New Berlin
- Pawnee
- Riverton
- Rochester
- Spaulding
- Springfield
- Williamsville
Smaller communities
-
Pleasant Plains
- Median home value: $169,000
- Median year built: 1971
- Owner-occupied share: 83%
-
Sherman
- Median home value: $297,800
- Median year built: 2001
- Owner-occupied share: 90%
-
Southern View
- Median home value: $105,300
- Median year built: 1955
- Owner-occupied share: 64%
-
Thayer
- Median home value: $97,100
- Median year built: 1967
- Owner-occupied share: 87%
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)