HomeInsuranceQts

Home Insurance in Warren, Illinois

The median home value in Warren is $102,200, 51% lower than the Jo Daviess County median.

The typical home in Warren was built around 1952. About 62% of homes were built before 1960, about 26 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.

Housing in Warren breaks down to 94% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

53% of owner-occupied homes in Warren carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 87% of occupied homes in Warren are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Warren, 85% of homes 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$102,200
Median year built1952
Owner-occupied share87%
Share of owner-occupied homes with a mortgage53%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Jo Daviess County52
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Warren, IL

Nearby towns

Sources

Data last updated: 2026-09-29