Home Insurance in Ursa, Illinois
The median home value in Ursa is $161,900, close to the Adams County median.
The typical home in Ursa was built around 1970. About 44% of homes were built before 1960, in line with Adams County (44%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Ursa breaks down to 80% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ursa, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Ursa are owner-occupied.
In Ursa, 67% of homes are primarily heated with natural gas.
Adams County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Adams County had 112 active NFIP flood policies as of September 2026. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $161,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Adams County | 112 |
| 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)