Home Insurance in Secor, Illinois
The median home value in Secor is $113,000, 43% lower than the Woodford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Secor was built around 1952. About 60% of homes were built before 1960, about 24 points above Woodford County's 36%.
In Secor, the housing stock is 89% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Secor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Secor are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Secor - 98% - are primarily heated with natural gas.
FEMA rates Woodford County's overall risk as Very Low, led by earthquake (Very Low). Woodford County had 104 active NFIP flood policies as of September 2026. See the full Woodford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $113,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Woodford County | 104 |
| 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)