Home Insurance in Tilton, Illinois
With a median home value of $70,400, Tilton is 28% lower than the Vermilion County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tilton was built around 1963. About 45% of homes were built before 1960, about 7 points below Vermilion County's 53%.
In Tilton, the housing stock is 80% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tilton, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Tilton are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Tilton, 69% of homes are primarily heated with natural gas.
Vermilion County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Vermilion County had 48 active NFIP flood policies as of September 2026. See the full Vermilion 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 | $70,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)