Home Insurance in Leland Grove, Illinois
Homes in Leland Grove carry a median value of $274,300 - 56% higher than the Sangamon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Leland Grove was built around 1952. About 75% of homes were built before 1960, about 44 points above Sangamon County's 32%.
The housing stock in Leland Grove is 96% single-family homes.
51% of owner-occupied homes in Leland Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 93% of occupied homes in Leland Grove are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
88% of homes in Leland Grove are primarily heated with natural gas.
Sangamon County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $274,300 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)