Home Insurance in Dixon, Illinois
The median home value in Dixon is $120,800, 22% lower than the Lee County median.
The typical home in Dixon was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 11 points above Lee County's 50%.
In Dixon, the housing stock is 76% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
56% of owner-occupied homes in Dixon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dixon has an owner-occupancy rate of 64% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
79% of homes in Dixon are primarily heated with natural gas.
FEMA rates Lee County's overall risk as Relatively Low, led by strong wind (Relatively High). 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.
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 | $120,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 64% |
| 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)