Home Insurance in Varna, Illinois
The median home value in Varna is $89,300, 37% lower than the Marshall County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Varna was built around 1943. About 70% of homes were built before 1960, about 21 points above Marshall County's 49%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Varna is 95% single-family homes and 5% mobile or manufactured homes.
About 51% of owner-occupied homes in Varna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Varna has an owner-occupancy rate of 84% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Varna, 86% of homes are primarily heated with natural gas.
Marshall County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Marshall 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 | $89,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)