Home Insurance in Ashkum, Illinois
The median home value in Ashkum is $150,600, 9% higher than the Iroquois County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ashkum was built around 1959. About 52% of homes were built before 1960, about 2 points above Iroquois County's 50%.
Housing in Ashkum breaks down to 79% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Ashkum have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Ashkum are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Ashkum are primarily heated with natural gas.
FEMA rates Iroquois County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Iroquois County had 255 active NFIP flood policies as of September 2026. See the full Iroquois County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $150,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Iroquois County | 255 |
| 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)