Home Insurance in Dover, Illinois
Homes in Dover carry a median value of $120,000 - 5% lower than the Bureau County median.
The typical home in Dover was built around 1963. About 42% of homes were built before 1960, about 11 points below Bureau County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Dover is 91% single-family homes and 3% mobile or manufactured homes.
In Dover, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dover has an owner-occupancy rate of 85% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Dover, 96% of homes are primarily heated with natural gas.
Bureau County had 60 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Bureau County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $120,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Bureau County | 60 |
| 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)