Home Insurance in Morrison, Illinois
With a median home value of $118,000, Morrison is 7% lower than the Whiteside County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Morrison was built around 1958. About 52% of homes were built before 1960, about 4 points above Whiteside County's 48%.
In Morrison, the housing stock is 94% single-family homes and 3% apartments in buildings with 5+ units.
About 53% of owner-occupied homes in Morrison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Morrison are owner-occupied.
86% of homes in Morrison are primarily heated with natural gas.
Whiteside County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $118,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)