Home Insurance in Strasburg, Illinois
With a median home value of $97,600, Strasburg is 29% lower than the Shelby 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 Strasburg was built around 1967. About 39% of homes were built before 1960, about 5 points below Shelby County's 44%.
In Strasburg, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
About 51% of owner-occupied homes in Strasburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Strasburg are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Strasburg, 74% of homes are primarily heated with natural gas.
Shelby County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Shelby County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $97,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Shelby County | 1 |
| 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)