Home Insurance in Odell, Illinois
Homes in Odell carry a median value of $121,000 - 15% lower than the Livingston County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Odell was built in 1939 or earlier. About 58% of homes were built before 1960, about 9 points above Livingston County's 49%.
In Odell, the housing stock is 90% single-family homes and 2% mobile or manufactured homes.
In Odell, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Odell are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Odell, 90% of homes are primarily heated with natural gas.
FEMA rates Livingston County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $121,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)