Home Insurance in Ivesdale, Illinois
The median home value in Ivesdale is $118,100, 44% lower than the Champaign County median.
The median home in Ivesdale was built in 1939 or earlier. About 78% of homes were built before 1960, about 55 points above Champaign County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ivesdale is 100% single-family homes.
41% of owner-occupied homes in Ivesdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Ivesdale are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ivesdale, 76% of homes are primarily heated with natural gas.
Champaign County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $118,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)