Home Insurance in Allendale, Illinois
With a median home value of $91,000, Allendale is 13% lower than the Wabash County median.
The typical home in Allendale was built around 1980. About 28% of homes were built before 1960, about 15 points below Wabash County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Allendale is 71% single-family homes, 3% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
In Allendale, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Allendale are owner-occupied.
Most homes in Allendale - 58% - 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.
FEMA rates Wabash County's overall risk as Very Low, led by earthquake (Relatively Low). Wabash County had 8 active NFIP flood policies as of September 2026. See the full Wabash 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 | $91,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Wabash County | 8 |
| 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)