Home Insurance in Coleta, Illinois
Homes in Coleta carry a median value of $111,800 - 12% lower than the Whiteside County median.
The typical home in Coleta was built around 1947. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 72% of homes were built before 1960, about 24 points above Whiteside County's 48%.
In Coleta, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
60% of owner-occupied homes in Coleta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Coleta are owner-occupied.
Most homes in Coleta - 69% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Whiteside County's overall risk as Relatively Low, led by strong wind (Relatively High). Whiteside County had 183 active NFIP flood policies as of September 2026. See the full Whiteside 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 | $111,800 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Whiteside County | 183 |
| 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)