Home Insurance in Streator, Illinois
Homes in Streator carry a median value of $94,700 - 42% lower than the LaSalle County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Streator was built around 1954. About 61% of homes were built before 1960, about 14 points above LaSalle County's 47%.
In Streator, the housing stock is 76% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in Streator have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Streator are owner-occupied.
Most homes in Streator - 80% - 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.
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 | $94,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)