Home Insurance in Genoa, Illinois
With a median home value of $225,200, Genoa is 8% lower than the DeKalb County median.
The typical home in Genoa was built around 1979. About 32% of homes were built before 1960, about 7 points above DeKalb County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Genoa breaks down to 77% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Genoa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Genoa are owner-occupied.
In Genoa, 79% of homes are primarily heated with natural gas.
DeKalb County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. DeKalb County had 166 active NFIP flood policies as of September 2026. See the full DeKalb 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 | $225,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in DeKalb County | 166 |
| 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)