Home Insurance in Emington, Illinois
With a median home value of $91,300, Emington is 36% lower than the Livingston County median.
The median home in Emington was built in 1939 or earlier. About 78% of homes were built before 1960, about 30 points above Livingston County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Emington, the housing stock is 95% single-family homes and 2% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Emington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Emington has an owner-occupancy rate of 80% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Emington, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Emington? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Livingston County and Livingston County had 169 active NFIP flood policies as of September 2026. See the full Livingston 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 | $91,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Livingston County | 169 |
| 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)