Home Insurance in Biggsville, Illinois
Homes in Biggsville carry a median value of $83,500 - 20% lower than the Henderson County median.
The median home in Biggsville was built in 1939 or earlier. About 68% of homes were built before 1960, about 31 points above Henderson County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Biggsville is 90% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Biggsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Biggsville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Biggsville - 84% - are primarily heated with natural gas.
What's the biggest home insurance risk near Biggsville? FEMA's National Risk Index points to hail (Relatively Moderate) in Henderson County and Henderson County had 86 active NFIP flood policies as of September 2026. See the full Henderson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $83,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Henderson County | 86 |
| 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)