Home Insurance in Leonore, Illinois
With a median home value of $76,300, Leonore is 53% lower than the LaSalle County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Leonore was built around 1955. About 57% of homes were built before 1960, about 10 points above LaSalle County's 47%.
In Leonore, the housing stock is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Leonore, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leonore has an owner-occupancy rate of 85% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Leonore, 89% of homes are primarily heated with natural gas.
FEMA rates LaSalle County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). LaSalle County had 270 active NFIP flood policies as of September 2026. See the full LaSalle 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 | $76,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in LaSalle County | 270 |
| 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)