Home Insurance in Media, Illinois
Homes in Media carry a median value of $89,500 - 14% lower than the Henderson County median.
The median home in Media was built in 1939 or earlier. About 64% of homes were built before 1960, about 28 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.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Media is 95% single-family homes and 5% mobile or manufactured homes.
In Media, about 92% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Media has an owner-occupancy rate of 89% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Media - 86% - are primarily heated with natural gas.
Henderson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $89,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 92% |
| 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)