Home Insurance in Catlin, Illinois
With a median home value of $124,700, Catlin is 28% higher than the Vermilion County median.
The typical home in Catlin was built around 1964. About 40% of homes were built before 1960, about 12 points below Vermilion County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Catlin is 90% single-family homes and 4% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Catlin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Catlin are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Catlin are primarily heated with natural gas.
Vermilion County had 48 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Vermilion 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 | $124,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Vermilion County | 48 |
| 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)