Home Insurance in Onarga, Illinois
The median home value in Onarga is $99,300, 28% lower than the Iroquois County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Onarga was built around 1953. About 57% of homes were built before 1960, about 7 points above Iroquois County's 50%.
Housing in Onarga breaks down to 98% single-family homes.
In Onarga, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Onarga are owner-occupied.
In Onarga, 93% of homes are primarily heated with natural gas.
Iroquois County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $99,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)