Home Insurance in Ogden, Illinois
With a median home value of $157,400, Ogden is 26% lower than the Champaign County median.
The typical home in Ogden was built around 1973. About 31% of homes were built before 1960, about 8 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 Ogden is 97% single-family homes and 2% mobile or manufactured homes.
In Ogden, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ogden has an owner-occupancy rate of 93% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Ogden, 75% of homes are primarily heated with natural gas.
Champaign County had 217 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $157,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)