Home Insurance in Mill Creek, Illinois
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Mill Creek was built in 1939 or earlier. About 75% of homes were built before 1960, about 40 points above Union County's 35%.
Housing in Mill Creek breaks down to 100% single-family homes.
In Mill Creek, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Mill Creek are owner-occupied.
92% of homes in Mill Creek are primarily heated with natural gas.
Union County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Union County had 63 active NFIP flood policies as of September 2026. See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Union County | 63 |
| 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)