Home Insurance in Warrensburg, Illinois
The median home value in Warrensburg is $145,400, 14% higher than the Macon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Warrensburg was built around 1972. About 32% of homes were built before 1960, about 13 points below Macon County's 45%.
The housing stock in Warrensburg is 79% single-family homes and 20% apartments in buildings with 5+ units.
About 42% of owner-occupied homes in Warrensburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Warrensburg has an owner-occupancy rate of 76% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
62% of homes in Warrensburg are primarily heated with natural gas.
Macon County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $145,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)