Home Insurance in Minier, Illinois
With a median home value of $148,400, Minier is 11% lower than the Tazewell County median.
The typical home in Minier was built around 1964. About 44% of homes were built before 1960, about 7 points above Tazewell County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Minier breaks down to 83% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Minier, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Minier are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Minier - 88% - are primarily heated with natural gas.
Tazewell County had 213 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Tazewell 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 | $148,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Tazewell County | 213 |
| 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)