Home Insurance in Troy Grove, Illinois
Homes in Troy Grove carry a median value of $200,800 - 24% higher 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 Troy Grove was built around 1973. About 31% of homes were built before 1960, about 16 points below LaSalle County's 47%.
The housing stock in Troy Grove is 92% single-family homes and 3% mobile or manufactured homes.
In Troy Grove, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Troy Grove has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Troy Grove, 94% of homes are primarily heated with natural gas.
LaSalle County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $200,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)