Home Insurance in Buckley, Illinois
With a median home value of $96,800, Buckley is 30% lower than the Iroquois County median.
The typical home in Buckley was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 14 points above Iroquois County's 50%.
Housing in Buckley breaks down to 98% single-family homes and 1% apartments in buildings with 5+ units.
36% of owner-occupied homes in Buckley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Buckley are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Buckley are primarily heated with natural gas.
FEMA rates Iroquois County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Iroquois County had 255 active NFIP flood policies as of September 2026. See the full Iroquois County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $96,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Iroquois County | 255 |
| 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)