Home Insurance in Foosland, Illinois
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Foosland was built in 1939 or earlier. About 92% of homes were built before 1960, about 68 points above Champaign County's 24%.
In Foosland, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Foosland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Foosland are owner-occupied. The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
40% of homes in Foosland are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Foosland? FEMA's National Risk Index points to winter weather (Relatively High) in Champaign County and Champaign County had 217 active NFIP flood policies as of September 2026. See the full Champaign 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Champaign County | 217 |
| 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)