Home Insurance in Galena, Illinois
Homes in Galena carry a median value of $233,200 - 11% higher than the Jo Daviess County median.
The typical home in Galena was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 23 points above Jo Daviess County's 35%.
The housing stock in Galena is 66% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Galena, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Galena are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Galena are primarily heated with natural gas.
FEMA rates Jo Daviess County's overall risk as Relatively Low, led by hail (Relatively Moderate). Jo Daviess County had 52 active NFIP flood policies as of September 2026. See the full Jo Daviess 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 | $233,200 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jo Daviess County | 52 |
| 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)