Home Insurance in Bureau County, Illinois
Homes in Bureau County carry a median value of $126,900 - 52% lower than the Illinois median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bureau County was built around 1958. About 52% of homes were built before 1960, about 15 points above Illinois's 38%.
In Bureau County, the housing stock is 86% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
54% of owner-occupied homes in Bureau County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Bureau County are owner-occupied.
68% of homes in Bureau County 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.
Per FEMA's National Risk Index, Bureau County's top hazards are tornado (Relatively Moderate), hail (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Bureau County has 60 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $126,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 60 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arlington
- Buda
- Bureau Junction
- Cherry
- Dalzell
- De Pue
- Dover
- Hollowayville
- La Moille
- Ladd
- Malden
- Manlius
- Mineral
- Neponset
- New Bedford
- Ohio
- Princeton
- Seatonville
- Sheffield
- Spring Valley
- Tiskilwa
- Walnut
- Wyanet
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)