Home Insurance in Arenzville, Illinois
With a median home value of $104,700, Arenzville is 8% higher than the Cass County median.
The median home in Arenzville was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 23 points above Cass County's 42%.
In Arenzville, the housing stock is 90% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Arenzville, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arenzville has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Arenzville, 73% of homes are primarily heated with natural gas.
FEMA rates Cass County's overall risk as Very Low, led by strong wind (Relatively Moderate). Cass County had 145 active NFIP flood policies as of September 2026. See the full Cass County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $104,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Cass County | 145 |
| 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)