Home Insurance in Bentley, Illinois
Homes in Bentley carry a median value of $24,000 - 79% lower than the Hancock County median.
The median home in Bentley was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 100% of homes were built before 1960, about 54 points above Hancock County's 46%.
In Bentley, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Bentley carry a mortgage.
About 62% of occupied homes in Bentley are owner-occupied.
Most homes in Bentley - 85% - are primarily heated with natural gas.
Hancock County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Hancock County had 60 active NFIP flood policies as of September 2026. See the full Hancock 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 | $24,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Hancock 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)