Home Insurance in Abingdon, Illinois
Homes in Abingdon carry a median value of $99,600 - 11% lower than the Knox County median.
The typical home in Abingdon was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 4 points above Knox County's 54%.
In Abingdon, the housing stock is 89% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Abingdon, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Abingdon are owner-occupied.
74% of homes in Abingdon are primarily heated with natural gas.
What's the biggest home insurance risk near Abingdon? FEMA's National Risk Index points to strong wind (Relatively High) in Knox County and Knox County had 35 active NFIP flood policies as of September 2026. See the full Knox 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 | $99,600 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Knox County | 35 |
| 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)