Home Insurance in Dongola, Illinois
With a median home value of $59,900, Dongola is 55% lower than the Union County median.
The typical home in Dongola was built around 1965. About 45% of homes were built before 1960, about 10 points above Union County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Dongola is 75% single-family homes and 13% 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 Dongola, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dongola has an owner-occupancy rate of 67% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Dongola, 49% of homes are primarily heated with electricity.
Union County had 63 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $59,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)