Home Insurance in Littleton, Illinois
Homes in Littleton carry a median value of $104,700 - close to the Schuyler County median.
The typical home in Littleton was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, in line with Schuyler County (38%).
The housing stock in Littleton is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Littleton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Littleton are owner-occupied.
In Littleton, 47% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Littleton? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Schuyler County and Schuyler County had 9 active NFIP flood policies as of September 2026. See the full Schuyler 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 | $104,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Schuyler County | 9 |
| 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)