Home Insurance in Wenona, Illinois
Homes in Wenona carry a median value of $101,100 - 29% lower than the Marshall County median.
The typical home in Wenona was built around 1957. About 54% of homes were built before 1960, about 5 points above Marshall County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Wenona, the housing stock is 69% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Wenona, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wenona has an owner-occupancy rate of 58% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Wenona - 67% - are primarily heated with natural gas.
Marshall County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $101,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)