Home Insurance in Browning, Illinois
With a median home value of $71,400, Browning is 35% lower than the Schuyler County median.
The typical home in Browning was built around 1947. About 57% of homes were built before 1960, about 20 points above Schuyler County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Browning is 92% single-family homes and 8% mobile or manufactured homes.
In Browning, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Browning are owner-occupied. The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Browning - 60% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Schuyler County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Schuyler County had 9 active NFIP flood policies as of September 2026. See the full Schuyler 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 | $71,400 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Schuyler County | 9 |
| 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)