Home Insurance in Athens, Illinois
With a median home value of $164,000, Athens is 12% lower than the Menard County median.
The typical home in Athens was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, in line with Menard County (32%).
In Athens, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
65% of owner-occupied homes in Athens carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Athens are owner-occupied.
Most homes in Athens - 81% - are primarily heated with natural gas.
What's the biggest home insurance risk near Athens? FEMA's National Risk Index points to earthquake (Relatively Low) in Menard County and Menard County had 10 active NFIP flood policies as of September 2026. See the full Menard County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $164,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Menard County | 10 |
| 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)