Home Insurance in Strawn, Illinois
With a median home value of $79,000, Strawn is 44% lower than the Livingston County median.
The typical home in Strawn was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 1 point above Livingston County's 49%.
The housing stock in Strawn is 93% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Strawn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Strawn has an owner-occupancy rate of 85% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Strawn, 80% of homes are primarily heated with natural gas.
Livingston County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $79,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)