Home Insurance in Henry, Illinois
With a median home value of $117,000, Henry is 18% lower than the Marshall County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Henry was built around 1957. About 55% of homes were built before 1960, about 6 points above Marshall County's 49%.
The housing stock in Henry is 88% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Henry, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Henry are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Henry - 79% - are primarily heated with natural gas.
What's the biggest home insurance risk near Henry? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Marshall County and Marshall County had 26 active NFIP flood policies as of September 2026. See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $117,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Marshall County | 26 |
| 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)