Home Insurance in Kenney, Illinois
Homes in Kenney carry a median value of $81,500 - 37% lower than the De Witt County median.
The typical home in Kenney was built around 1945. About 63% of homes were built before 1960, about 11 points above De Witt County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kenney, the housing stock is 72% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kenney, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kenney has an owner-occupancy rate of 91% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Kenney, 91% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Kenney? FEMA's National Risk Index points to earthquake (Relatively Low) in De Witt County and De Witt County had 31 active NFIP flood policies as of September 2026. See the full De Witt County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 home value | $81,500 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in De Witt County | 31 |
| 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)