Home Insurance in Iroquois County, Illinois
Homes in Iroquois County carry a median value of $137,800 - 48% lower than the Illinois median.
The typical home in Iroquois County was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 13 points above Illinois's 38%.
The housing stock in Iroquois County is 88% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Iroquois County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Iroquois County has an owner-occupancy rate of 80% and a vacancy rate of 11%; 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. 62% of homes in Iroquois County are primarily heated with natural gas.
Per FEMA's National Risk Index, Iroquois County's top hazards are inland flooding (Relatively Moderate), earthquake (Relatively Low) and hail (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Iroquois County has 255 active NFIP flood policies on file.
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 | $137,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Earthquake (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 255 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ashkum
- Beaverville
- Buckley
- Chebanse
- Cissna Park
- Crescent City
- Danforth
- Donovan
- Gilman
- Iroquois
- Martinton
- Milford
- Onarga
- Papineau
- Sheldon
- Thawville
- Watseka
- Wellington
- Woodland
Smaller communities
-
Clifton
- Median home value: $205,400
- Median year built: 1960
- Owner-occupied share: 73%
-
Loda
- Median home value: $108,300
- Median year built: 1965
- Owner-occupied share: 95%
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)