Home Insurance in Woodford County, Illinois
The median home value in Woodford County is $197,600, 25% lower than the Illinois median.
The typical home in Woodford County was built around 1972. About 36% of homes were built before 1960, about 2 points below Illinois's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Woodford County is 90% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Woodford County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodford County has an owner-occupancy rate of 86% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Woodford County, 66% of homes 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.
The top hazards for Woodford County, per FEMA's National Risk Index, are earthquake (Very Low), tornado (Relatively Low) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Woodford County had 104 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $197,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 104 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bay View Gardens
- Benson
- El Paso
- Eureka
- Germantown Hills
- Goodfield
- Kappa
- Panola
- Secor
- Spring Bay
- Washburn
Smaller communities
-
Congerville
- Median home value: $200,000
- Median year built: 1972
- Owner-occupied share: 79%
-
Metamora
- Median home value: $201,800
- Median year built: 1978
- Owner-occupied share: 97%
-
Minonk
- Median home value: $120,500
- Median year built: 1962
- Owner-occupied share: 73%
-
Roanoke
- Median home value: $139,900
- Median year built: 1958
- Owner-occupied share: 84%
Sources
- 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)