Home Insurance in Browns, Illinois
The median home value in Browns is $31,300, 69% lower than the Edwards County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Browns was built around 1975. About 33% of homes were built before 1960, about 9 points below Edwards County's 42%.
In Browns, the housing stock is 47% single-family homes and 53% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in Browns carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Browns are owner-occupied.
In Browns, 75% of homes are primarily heated with natural gas.
Edwards County has no active NFIP flood policies on file. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Edwards 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 | $31,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Earthquake (Relatively Low) |
| 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)