Home Insurance in Little York, Illinois
The median home value in Little York is $81,200, 23% lower than the Warren County median.
The typical home in Little York was built around 1950. About 67% of homes were built before 1960, about 12 points above Warren County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Little York breaks down to 95% single-family homes and 5% apartments in buildings with 5+ units.
About 46% of owner-occupied homes in Little York have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Little York are owner-occupied.
Most homes in Little York - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Little York? FEMA's National Risk Index points to hail (Relatively Low) in Warren County and Warren County had 27 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $81,200 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Warren County | 27 |
| 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)