Home Insurance in Harvey, Illinois
The median home value in Harvey is $88,100, 73% lower than the Cook County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Harvey was built around 1960. About 49% of homes were built before 1960, in line with Cook County (49%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harvey is 65% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in Harvey have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harvey has an owner-occupancy rate of 58% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Harvey, 81% of homes are primarily heated with natural gas.
Cook County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Cook County had 11,554 active NFIP flood policies as of September 2026. See the full Cook 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 | $88,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Cook County | 11,554 |
| 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)