Home Insurance in Henry County, Illinois
Homes in Henry County carry a median value of $151,600 - 42% lower than the Illinois median.
The typical home in Henry County was built around 1961. About 49% of homes were built before 1960, about 11 points above Illinois's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Henry County is 88% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Henry County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Henry County has an owner-occupancy rate of 80% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Henry County, 73% of homes are primarily heated with natural gas.
The top hazards for Henry County, per FEMA's National Risk Index, are strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate).
Henry County had 133 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $151,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 133 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Atkinson
- Median home value: $119,600
- Median year built: 1958
- Owner-occupied share: 83%
-
Geneseo
- Median home value: $205,400
- Median year built: 1963
- Owner-occupied share: 76%
-
Kewanee
- Median home value: $73,200
- Median year built: 1948
- Owner-occupied share: 69%
Sources
- 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)