HomeInsuranceQts

Home Insurance in Buda, Illinois

The median home value in Buda is $71,600, 44% lower than the Bureau County median.

The typical home in Buda was built around 1943. About 68% of homes were built before 1960, about 15 points above Bureau County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Buda, the housing stock is 95% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

60% of owner-occupied homes in Buda carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Buda has an owner-occupancy rate of 89% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.

75% of homes in Buda are primarily heated with natural gas.

FEMA rates Bureau County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Bureau County had 60 active NFIP flood policies as of September 2026. See the full Bureau 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$71,600
Median year built1943
Owner-occupied share89%
Share of owner-occupied homes with a mortgage60%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in Bureau County60
Home insurance premium$1,480 - statewide average (NAIC, 2023 data)
Key home insurance figures for Buda, IL

Nearby towns

Sources

Data last updated: 2026-09-29