Home Insurance in Vienna, Illinois
With a median home value of $81,300, Vienna is 49% lower than the Johnson County median.
The typical home in Vienna was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 13 points above Johnson County's 14%.
The housing stock in Vienna is 53% single-family homes, 15% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Vienna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Vienna has an owner-occupancy rate of 56% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
54% of homes in Vienna are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Johnson County had 8 active NFIP flood policies as of September 2026. See the full Johnson County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $81,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Johnson County | 8 |
| 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)