Home Insurance in Oneida, Illinois
Homes in Oneida carry a median value of $114,100 - close to the Knox County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Oneida was built around 1958. About 53% of homes were built before 1960, in line with Knox County (54%).
Housing in Oneida breaks down to 89% single-family homes. The rest are 2-4 unit or other housing types.
In Oneida, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oneida has an owner-occupancy rate of 81% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
74% of homes in Oneida are primarily heated with natural gas.
Knox County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Knox County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $114,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)