Home Insurance in Tremont, Illinois
The median home value in Tremont is $187,400, 12% higher than the Tazewell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tremont was built around 1963. About 42% of homes were built before 1960, about 5 points above Tazewell County's 37%.
Housing in Tremont breaks down to 88% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Tremont, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tremont has an owner-occupancy rate of 68% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Tremont, 76% of homes are primarily heated with natural gas.
FEMA rates Tazewell County's overall risk as Relatively Moderate, led by tornado (Relatively High). Tazewell County had 213 active NFIP flood policies as of September 2026. 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 | $187,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)