Home Insurance in Maroa, Illinois
With a median home value of $126,800, Maroa is close to the Macon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Maroa was built around 1968. About 41% of homes were built before 1960, about 4 points below Macon County's 45%.
In Maroa, the housing stock is 84% single-family homes and 14% apartments in buildings with 5+ units.
63% of owner-occupied homes in Maroa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Maroa are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Maroa - 65% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Macon County's overall risk as Relatively Moderate, led by earthquake (Relatively Low). Macon County had 96 active NFIP flood policies as of September 2026. See the full Macon County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $126,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Macon County | 96 |
| 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)