Home Insurance in St. Anne, Illinois
Homes in St. Anne carry a median value of $154,900 - 20% lower than the Kankakee County median.
The typical home in St. Anne was built around 1949. About 59% of homes were built before 1960, about 27 points above Kankakee County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In St. Anne, the housing stock is 87% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
49% of owner-occupied homes in St. Anne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in St. Anne are owner-occupied.
Most homes in St. Anne - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near St. Anne? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Kankakee County and Kankakee County had 304 active NFIP flood policies as of September 2026. See the full Kankakee County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $154,900 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Kankakee County | 304 |
| 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)