Home Insurance in Stronghurst, Illinois
The median home value in Stronghurst is $124,600, 19% higher than the Henderson County median.
The typical home in Stronghurst was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 9 points above Henderson County's 37%.
The housing stock in Stronghurst is 84% single-family homes and 11% apartments in buildings with 5+ units.
In Stronghurst, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Stronghurst are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Stronghurst, 79% of homes are primarily heated with natural gas.
Henderson County had 86 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $124,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)