Home Insurance in Anna, Illinois
With a median home value of $134,300, Anna is close to the Union County median.
The typical home in Anna was built around 1969. About 42% of homes were built before 1960, about 7 points above Union County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Anna is 67% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Anna, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Anna has an owner-occupancy rate of 59% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
48% of homes in Anna are primarily heated with natural gas.
What's the biggest home insurance risk near Anna? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Union County and Union County had 63 active NFIP flood policies as of September 2026. See the full Union 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 | $134,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Union County | 63 |
| 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)