Home Insurance in Apple River, Illinois
The median home value in Apple River is $87,100, 59% lower than the Jo Daviess County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Apple River was built in 1939 or earlier. About 70% of homes were built before 1960, about 34 points above Jo Daviess County's 35%.
Housing in Apple River breaks down to 76% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
49% of owner-occupied homes in Apple River carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Apple River has an owner-occupancy rate of 67% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Apple River, 65% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jo Daviess County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Jo Daviess County had 52 active NFIP flood policies as of September 2026. See the full Jo Daviess County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $87,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jo Daviess County | 52 |
| 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)