Home Insurance in Oglesby, Illinois
With a median home value of $139,700, Oglesby is 14% lower than the LaSalle County median.
The typical home in Oglesby was built around 1955. About 60% of homes were built before 1960, about 14 points above LaSalle County's 47%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Oglesby, the housing stock is 85% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Oglesby, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oglesby has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
86% of homes in Oglesby are primarily heated with natural gas.
What's the biggest home insurance risk near Oglesby? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in LaSalle County and 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.
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 | $139,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)