Home Insurance in Stoy, Illinois
Homes in Stoy carry a median value of $79,000 - 35% lower than the Crawford County median.
The typical home in Stoy was built around 1978. About 28% of homes were built before 1960, about 17 points below Crawford County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stoy is 82% single-family homes and 18% mobile or manufactured homes.
54% of owner-occupied homes in Stoy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stoy has an owner-occupancy rate of 100% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Stoy, 77% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crawford County had 25 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $79,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)