Home Insurance in Emden, Illinois
The median home value in Emden is $113,400, 16% lower than the Logan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Emden was built around 1961. About 47% of homes were built before 1960, about 4 points above Logan County's 44%.
The housing stock in Emden is 97% single-family homes.
About 35% of owner-occupied homes in Emden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Emden has an owner-occupancy rate of 71% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
76% of homes in Emden are primarily heated with natural gas.
Logan County had 50 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Logan 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 | $113,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Logan County | 50 |
| 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)