Home Insurance in Savanna, Illinois
With a median home value of $72,400, Savanna is 37% lower than the Carroll County median.
The typical home in Savanna was built around 1944. About 75% of homes were built before 1960, about 22 points above Carroll County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Savanna, the housing stock is 76% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Savanna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Savanna are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Savanna are primarily heated with natural gas.
FEMA rates Carroll County's overall risk as Very Low, led by strong wind (Relatively Moderate). Carroll County had 18 active NFIP flood policies as of September 2026. See the full Carroll 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 | $72,400 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Carroll County | 18 |
| 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)