Home Insurance in Auburn, Illinois
Homes in Auburn carry a median value of $149,600 - 15% lower than the Sangamon County median.
The typical home in Auburn was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 8 points below Sangamon County's 32%.
The housing stock in Auburn is 93% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Auburn, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Auburn are owner-occupied.
Most homes in Auburn - 76% - are primarily heated with natural gas.
FEMA rates Sangamon County's overall risk as Relatively Moderate, led by tornado (Relatively High). Sangamon County had 185 active NFIP flood policies as of September 2026. See the full Sangamon 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 | $149,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Sangamon County | 185 |
| 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)