Home Insurance in Pawnee, Illinois
The median home value in Pawnee is $149,500, 15% lower than the Sangamon 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 Pawnee was built around 1973. About 26% of homes were built before 1960, about 5 points below Sangamon County's 32%.
The housing stock in Pawnee is 85% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pawnee, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pawnee has an owner-occupancy rate of 80% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
75% of homes in Pawnee are primarily heated with natural gas.
Sangamon County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $149,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 80% |
| 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)