Home Insurance in Nora, Illinois
Homes in Nora carry a median value of $91,000 - 57% lower than the Jo Daviess County median.
The typical home in Nora was built around 1962. About 48% of homes were built before 1960, about 13 points above Jo Daviess County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Nora is 94% single-family homes and 6% mobile or manufactured homes.
53% of owner-occupied homes in Nora carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Nora has an owner-occupancy rate of 62% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Nora - 59% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $91,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)