Home Insurance in Oblong, Illinois
Homes in Oblong carry a median value of $83,100 - 31% lower than the Crawford County median.
The typical home in Oblong was built around 1963. About 47% of homes were built before 1960, about 1 point above Crawford County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Oblong is 85% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Oblong, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oblong has an owner-occupancy rate of 72% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Oblong, 62% of homes are primarily heated with natural gas.
Crawford County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Crawford County had 25 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $83,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Crawford County | 25 |
| 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)