Home Insurance in Menominee, Illinois
With a median home value of $257,900, Menominee is 23% higher than the Jo Daviess County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Menominee was built around 1984. About 22% of homes were built before 1960, about 13 points below Jo Daviess County's 35%.
Housing in Menominee breaks down to 91% single-family homes.
In Menominee, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Menominee has an owner-occupancy rate of 81% and a vacancy rate of 4%; 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. 59% of homes in Menominee are primarily heated with propane.
Jo Daviess County had 52 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $257,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)