Home Insurance in Toulon, Illinois
With a median home value of $95,500, Toulon is 9% lower than the Stark County median.
The typical home in Toulon was built around 1944. About 67% of homes were built before 1960, about 13 points above Stark County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Toulon is 84% single-family homes and 8% apartments in buildings with 5+ units.
In Toulon, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Toulon are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Toulon, 65% of homes are primarily heated with natural gas.
FEMA rates Stark County's overall risk as Very Low, led by strong wind (Relatively Low). Stark County had 5 active NFIP flood policies as of September 2026. See the full Stark County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $95,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Relatively Low) |
| Active NFIP policies in Stark County | 5 |
| 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)