Home Insurance in Cambria, Illinois
Homes in Cambria carry a median value of $143,800 - 8% lower than the Williamson County median.
The typical home in Cambria was built around 1999. About 13% of homes were built before 1960, about 13 points below Williamson County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cambria, the housing stock is 47% single-family homes and 22% 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 Cambria, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 40% of occupied homes in Cambria are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Cambria are primarily heated with electricity.
Williamson County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Williamson County had 158 active NFIP flood policies as of September 2026. See the full Williamson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $143,800 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Williamson County | 158 |
| 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)