Home Insurance in Curran, Illinois
With a median home value of $107,100, Curran is 39% lower than the Sangamon County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Curran was built around 1967. About 42% of homes were built before 1960, about 11 points above Sangamon County's 32%.
In Curran, the housing stock is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Curran have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Curran has an owner-occupancy rate of 81% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Curran - 75% - 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 Sangamon County's overall risk as Relatively Moderate, led by tornado (Relatively High). Sangamon County had 185 active NFIP flood policies as of September 2026. See the full Sangamon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $107,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Sangamon County | 185 |
| 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)