Home Insurance in LaSalle County, Illinois
Homes in LaSalle County carry a median value of $161,900 - 39% lower than the Illinois median.
The typical home in LaSalle County was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 9 points above Illinois's 38%.
The housing stock in LaSalle County is 82% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in LaSalle County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in LaSalle County are owner-occupied.
76% of homes in LaSalle County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for LaSalle County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate).
LaSalle County had 270 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $161,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 270 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cedar Point
- Dana
- Earlville
- Grand Ridge
- Kangley
- LaSalle
- Leland
- Leonore
- Lostant
- Marseilles
- Mendota
- Millington
- Naplate
- North Utica
- Oglesby
- Ottawa
- Peru
- Ransom
- Rutland
- Seneca
- Sheridan
- Streator
- Tonica
- Troy Grove
Sources
- 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)