Home Insurance in Roberts, Illinois
The median home value in Roberts is $59,700, 51% lower than the Ford County median.
The typical home in Roberts was built around 1946. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 69% of homes were built before 1960, about 11 points above Ford County's 57%.
In Roberts, the housing stock is 95% single-family homes and 2% mobile or manufactured homes.
In Roberts, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Roberts are owner-occupied.
Most homes in Roberts - 85% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Ford County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Ford County had 7 active NFIP flood policies as of September 2026. See the full Ford 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 | $59,700 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Ford County | 7 |
| 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)