Home Insurance in Amboy, Illinois
With a median home value of $134,800, Amboy is 13% lower than the Lee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Amboy was built around 1955. About 55% of homes were built before 1960, about 5 points above Lee County's 50%.
In Amboy, the housing stock is 77% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Amboy, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Amboy are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Amboy - 80% - are primarily heated with natural gas.
What's the biggest home insurance risk near Amboy? FEMA's National Risk Index points to strong wind (Relatively High) in Lee County and Lee County had 104 active NFIP flood policies as of September 2026. See the full Lee County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $134,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lee County | 104 |
| 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)